Peshtigo National 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 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.43% against 3.27%. It was the largest change among the key lines on this page. Peshtigo National Bank ranks 119th of 153 Wisconsin banks on net interest margin, in the lower half at 3.43% (Q2 2026). Peshtigo National Bank reported 3.43% on net interest margin for Q2 2026, 0.52 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.95% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $891K |
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 | 3.68% | 1.16% | 2.60% | 4.79% | 1.99% |
| Q4 2023 | 4.06% | 1.38% | 2.78% | 5.08% | 2.32% |
| Q1 2024 | 4.12% | 1.55% | 2.65% | 5.22% | 2.11% |
| Q2 2024 | 4.27% | 1.65% | 2.74% | 5.36% | 2.22% |
| Q3 2024 | 4.34% | 1.76% | 2.70% | 5.50% | 2.13% |
| Q4 2024 | 4.54% | 1.71% | 2.95% | 5.64% | 2.34% |
| Q1 2025 | 4.38% | 1.67% | 2.84% | 5.50% | 2.36% |
| Q2 2025 | 4.65% | 1.68% | 3.09% | 5.70% | 2.57% |
| Q3 2025 | 4.69% | 1.68% | 3.13% | 5.80% | 2.53% |
| Q4 2025 | 4.75% | 1.65% | 3.25% | 5.84% | 2.60% |
| Q1 2026 | 4.79% | 1.63% | 3.27% | 5.86% | 2.70% |
| Q2 2026 | 4.95% | 1.63% | 3.43% | 5.95% | 2.80% |
Peshtigo National 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 Peshtigo National 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 Peshtigo National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5317) · FFIEC NIC profile (RSSD 257345)