The Park 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.01%. The Park Bank has the 14th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 3.01% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Park Bank sits 0.70 points lower, at 3.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 5.14% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.6M |
| Total interest expense | $6.9M |
| Interest expense on deposits | $5.9M |
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 | 4.32% | 2.22% | 2.30% | 4.56% | 2.00% |
| Q4 2023 | 4.48% | 2.52% | 2.20% | 4.73% | 2.20% |
| Q1 2024 | 4.61% | 2.66% | 2.19% | 4.87% | 2.28% |
| Q2 2024 | 4.63% | 2.68% | 2.18% | 4.87% | 2.37% |
| Q3 2024 | 4.74% | 2.73% | 2.25% | 4.99% | 2.50% |
| Q4 2024 | 4.61% | 2.50% | 2.34% | 4.86% | 2.59% |
| Q1 2025 | 4.61% | 2.34% | 2.47% | 4.85% | 2.73% |
| Q2 2025 | 4.69% | 2.32% | 2.56% | 4.93% | 2.78% |
| Q3 2025 | 4.77% | 2.33% | 2.65% | 5.03% | 2.86% |
| Q4 2025 | 4.95% | 2.20% | 2.99% | 5.23% | 2.90% |
| Q1 2026 | 4.69% | 2.07% | 2.81% | 4.97% | 2.86% |
| Q2 2026 | 4.85% | 2.03% | 3.01% | 5.14% | 2.94% |
The Park 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 Park 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 Park Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19608) · FFIEC NIC profile (RSSD 403946)