Oak 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.
In Q2 2026, Total interest expense edged down by 1.1%, from $1.9M to $1.9M, the largest move among the key lines here. Within Wisconsin, Oak Bank is 88th of 153 on net interest margin, 3.72% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Oak Bank sits 0.22 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.00% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.9M |
| 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 | 4.68% | 1.79% | 3.08% | 5.13% | 2.42% |
| Q4 2023 | 4.89% | 2.11% | 3.01% | 5.34% | 2.44% |
| Q1 2024 | 4.98% | 2.34% | 2.88% | 5.44% | 2.44% |
| Q2 2024 | 5.12% | 2.52% | 2.83% | 5.59% | 2.41% |
| Q3 2024 | 5.26% | 2.59% | 2.93% | 5.75% | 2.44% |
| Q4 2024 | 5.36% | 2.51% | 3.15% | 5.91% | 2.48% |
| Q1 2025 | 5.41% | 2.38% | 3.27% | 5.94% | 2.53% |
| Q2 2025 | 5.45% | 2.31% | 3.38% | 5.99% | 2.59% |
| Q3 2025 | 5.53% | 2.25% | 3.53% | 6.11% | 2.67% |
| Q4 2025 | 5.58% | 2.24% | 3.59% | 6.24% | 2.68% |
| Q1 2026 | 5.41% | 1.97% | 3.68% | 5.99% | 2.72% |
| Q2 2026 | 5.43% | 1.93% | 3.72% | 6.00% | 2.74% |
Oak 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 Oak 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 Oak Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35333) · FFIEC NIC profile (RSSD 2857600)