Paper City Savings Bank, S.A.: 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.
Net interest margin rose 0.25 percentage points from Q1 2026 to Q2 2026, ending at 4.15% against 3.90%. It was the largest change among the key lines on this page. Within Wisconsin, Paper City Savings Bank, S.A. is 44th of 153 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. Paper City Savings Bank, S.A. reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 5.88% |
| Yield on securities | 2.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $749K |
| Interest expense on deposits | $708K |
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 | 4.67% | 1.78% | 3.12% | 4.84% | 1.96% |
| Q4 2023 | 4.84% | 2.02% | 3.07% | 5.00% | 1.98% |
| Q1 2024 | 5.03% | 2.32% | 2.97% | 5.20% | 1.99% |
| Q2 2024 | 5.06% | 2.40% | 2.95% | 5.21% | 2.03% |
| Q3 2024 | 5.22% | 2.39% | 3.11% | 5.39% | 2.01% |
| Q4 2024 | 5.30% | 2.30% | 3.28% | 5.46% | 2.09% |
| Q1 2025 | 5.24% | 2.24% | 3.23% | 5.43% | 2.11% |
| Q2 2025 | 5.38% | 2.12% | 3.50% | 5.61% | 2.14% |
| Q3 2025 | 5.51% | 1.99% | 3.77% | 5.73% | 2.25% |
| Q4 2025 | 5.58% | 1.90% | 3.91% | 5.81% | 2.27% |
| Q1 2026 | 5.54% | 1.84% | 3.90% | 5.78% | 2.28% |
| Q2 2026 | 5.63% | 1.70% | 4.15% | 5.88% | 2.31% |
Paper City Savings Bank, S.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Paper City Savings Bank, S.A., 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 Paper City Savings Bank, S.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29676) · FFIEC NIC profile (RSSD 102874)