Pillar 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 4.00%. Within Wisconsin, Pillar Bank is 59th of 153 on net interest margin, 4.00% 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; Pillar Bank reported 4.00% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.27% |
| Yield on loans | 6.63% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | 2.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.00% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $800K |
| Interest expense on deposits | $489K |
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 | 4.27% | 1.41% | 2.94% | 5.35% | 2.38% |
| Q4 2023 | 4.50% | 1.50% | 3.10% | 5.65% | 2.37% |
| Q1 2024 | 4.63% | 1.66% | 3.06% | 5.83% | 2.40% |
| Q2 2024 | 4.77% | 1.71% | 3.17% | 5.99% | 2.37% |
| Q3 2024 | 4.84% | 1.69% | 3.25% | 6.28% | 2.45% |
| Q4 2024 | 4.85% | 1.57% | 3.38% | 6.25% | 2.34% |
| Q1 2025 | 5.20% | 1.49% | 3.79% | 6.84% | 2.33% |
| Q2 2025 | 5.11% | 1.58% | 3.62% | 6.63% | 2.46% |
| Q3 2025 | 5.08% | 1.60% | 3.58% | 6.56% | 2.34% |
| Q4 2025 | 5.25% | 1.44% | 3.91% | 6.65% | 2.50% |
| Q1 2026 | 5.10% | 1.30% | 3.88% | 6.48% | 2.41% |
| Q2 2026 | 5.27% | 1.37% | 4.00% | 6.63% | 2.40% |
Pillar 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 Pillar 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 Pillar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5336) · FFIEC NIC profile (RSSD 143952)