Partners 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.68% against 3.54%. It was the largest change among the key lines on this page. Partners Bank ranks 90th of 153 Wisconsin banks on net interest margin, in the lower half at 3.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Partners Bank sits 0.27 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 6.25% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 3.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $917K |
| Interest expense on deposits | $681K |
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 | 3.99% | 1.44% | 2.68% | 5.03% | 1.84% |
| Q4 2023 | 4.22% | 1.63% | 2.74% | 5.32% | 1.86% |
| Q1 2024 | 4.28% | 1.81% | 2.63% | 5.35% | 1.90% |
| Q2 2024 | 4.43% | 1.86% | 2.75% | 5.49% | 2.00% |
| Q3 2024 | 4.68% | 2.07% | 2.79% | 5.80% | 2.02% |
| Q4 2024 | 4.72% | 1.79% | 3.11% | 5.92% | 2.08% |
| Q1 2025 | 4.68% | 1.61% | 3.25% | 5.86% | 2.14% |
| Q2 2025 | 4.87% | 1.74% | 3.33% | 6.07% | 2.17% |
| Q3 2025 | 4.95% | 1.81% | 3.33% | 6.21% | 2.20% |
| Q4 2025 | 5.09% | 1.63% | 3.63% | 6.28% | 2.40% |
| Q1 2026 | 4.93% | 1.55% | 3.54% | 6.11% | 2.50% |
| Q2 2026 | 5.00% | 1.49% | 3.68% | 6.25% | 2.57% |
Partners 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 Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12513) · FFIEC NIC profile (RSSD 114149)