Prevail 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 0.21 percentage points from Q1 2026 to Q2 2026, ending at 2.91% against 2.70%. It was the largest change among the key lines on this page. Prevail Bank has the 8th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 2.91% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Prevail Bank sits 0.80 points lower, at 2.91% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 5.59% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.5M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $4.1M |
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 | 3.70% | 1.85% | 1.99% | 4.27% | 1.91% |
| Q4 2023 | 4.07% | 2.30% | 1.95% | 4.61% | 2.56% |
| Q1 2024 | 4.21% | 2.58% | 1.80% | 4.66% | 2.36% |
| Q2 2024 | 4.25% | 2.61% | 1.83% | 4.76% | 2.38% |
| Q3 2024 | 4.44% | 2.67% | 1.97% | 5.00% | 2.35% |
| Q4 2024 | 4.39% | 2.53% | 2.07% | 5.01% | 2.35% |
| Q1 2025 | 4.40% | 2.47% | 2.10% | 4.91% | 2.32% |
| Q2 2025 | 4.70% | 2.45% | 2.42% | 5.19% | 2.78% |
| Q3 2025 | 4.92% | 2.44% | 2.65% | 5.47% | 2.55% |
| Q4 2025 | 4.90% | 2.41% | 2.68% | 5.46% | 2.58% |
| Q1 2026 | 4.84% | 2.31% | 2.70% | 5.32% | 2.72% |
| Q2 2026 | 5.04% | 2.31% | 2.91% | 5.59% | 2.80% |
Prevail 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 Prevail 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 Prevail Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29294) · FFIEC NIC profile (RSSD 27070)