Oakwood 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.
The standout move of Q2 2026 was in Yield on securities: 1.71 percentage points higher than in Q1 2026, at 5.44%. Within Wisconsin, Oakwood Bank is 55th of 153 on net interest margin, 4.02% 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; Oakwood Bank reported 4.02% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.60% |
| Yield on loans | 6.97% |
| Yield on securities | 5.44% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.92% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $950K |
| Interest expense on deposits | $795K |
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 | 6.07% | 2.37% | 3.75% | 6.08% | 4.81% |
| Q4 2023 | 6.38% | 2.61% | 3.85% | 6.40% | 4.86% |
| Q1 2024 | 6.29% | 2.74% | 3.68% | 6.43% | 3.64% |
| Q2 2024 | 6.36% | 2.84% | 3.67% | 6.62% | 3.64% |
| Q3 2024 | 6.52% | 3.01% | 3.60% | 6.83% | 3.64% |
| Q4 2024 | 6.55% | 2.89% | 3.63% | 6.87% | 3.58% |
| Q1 2025 | 6.64% | 2.89% | 3.79% | 6.95% | 3.79% |
| Q2 2025 | 7.07% | 2.96% | 4.14% | 7.33% | 4.06% |
| Q3 2025 | 6.85% | 2.98% | 4.06% | 7.08% | 3.73% |
| Q4 2025 | 6.71% | 2.93% | 3.97% | 7.00% | 5.36% |
| Q1 2026 | 6.51% | 2.75% | 3.89% | 6.86% | 3.73% |
| Q2 2026 | 6.60% | 2.78% | 4.02% | 6.97% | 5.44% |
Oakwood 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 Oakwood 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 Oakwood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13030) · FFIEC NIC profile (RSSD 37051)