Northern State Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Yield on loans rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 6.49% against 6.07%. It was the largest change among the key lines on this page. Northern State Bank ranks 57th of 153 Wisconsin banks on net interest margin, in the upper half at 4.01% (Q2 2026). At 4.01%, Northern State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.31% | 0.63% | 3.71% |
| Q4 2023 | 4.34% | 0.70% | 3.68% |
| Q1 2024 | 4.65% | 0.79% | 3.91% |
| Q2 2024 | 4.90% | 0.89% | 4.06% |
| Q3 2024 | 5.10% | 1.07% | 4.09% |
| Q4 2024 | 5.27% | 1.12% | 4.21% |
| Q1 2025 | 5.12% | 1.21% | 3.98% |
| Q2 2025 | 5.23% | 1.26% | 4.04% |
| Q3 2025 | 5.36% | 1.35% | 4.08% |
| Q4 2025 | 5.31% | 1.38% | 4.01% |
| Q1 2026 | 5.18% | 1.41% | 3.83% |
| Q2 2026 | 5.38% | 1.47% | 4.01% |
Northern State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Northern State Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Northern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15242) · FFIEC NIC profile (RSSD 625757)