The Northwestern 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.
Compared with Q1 2026, Yield on securities rose 0.59 percentage points in Q2 2026 to 2.33%, the biggest move on this page. Within Wisconsin, The Northwestern Bank is 52nd of 153 on net interest margin, 4.07% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Northwestern Bank sits 0.12 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.03% |
| Yield on securities | 2.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.30% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $1.9M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.24% | 0.82% | 3.24% | 5.04% | 1.74% |
| Q4 2023 | 4.38% | 0.97% | 3.20% | 5.18% | 1.75% |
| Q1 2024 | 4.66% | 1.13% | 3.29% | 5.43% | 1.50% |
| Q2 2024 | 4.80% | 1.44% | 3.09% | 5.51% | 1.46% |
| Q3 2024 | 5.08% | 1.95% | 3.25% | 5.79% | 1.48% |
| Q4 2024 | 5.13% | 1.66% | 3.40% | 5.85% | 1.47% |
| Q1 2025 | 5.11% | 1.60% | 3.47% | 5.77% | 1.49% |
| Q2 2025 | 5.24% | 1.53% | 3.69% | 5.92% | 1.50% |
| Q3 2025 | 5.34% | 1.46% | 3.85% | 6.10% | 1.56% |
| Q4 2025 | 5.36% | 1.42% | 3.92% | 6.07% | 1.56% |
| Q1 2026 | 5.25% | 1.32% | 3.89% | 5.95% | 1.74% |
| Q2 2026 | 5.45% | 1.30% | 4.07% | 6.03% | 2.33% |
The Northwestern 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 The Northwestern 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 The Northwestern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2468) · FFIEC NIC profile (RSSD 153054)