River 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.
Compared with Q1 2026, Total interest expense fell 5.5% in Q2 2026 to $5.0M, the biggest move on this page. On net interest margin, River Bank is 11th from the bottom among 153 Wisconsin banks, 2.98% (Q2 2026). River Bank reported 2.98% on net interest margin for Q2 2026, 0.73 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.96% |
| Yield on loans | 5.19% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 2.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.0M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.3M |
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 | 4.16% | 2.39% | 1.81% | 4.16% | 2.61% |
| Q4 2023 | 4.24% | 2.51% | 1.79% | 4.21% | 2.74% |
| Q1 2024 | 4.29% | 2.57% | 1.78% | 4.28% | 3.07% |
| Q2 2024 | 4.37% | 2.58% | 1.85% | 4.36% | 3.27% |
| Q3 2024 | 4.49% | 2.62% | 1.92% | 4.50% | 3.32% |
| Q4 2024 | 4.52% | 2.56% | 2.01% | 4.58% | 3.29% |
| Q1 2025 | 4.40% | 2.41% | 2.04% | 4.53% | 3.33% |
| Q2 2025 | 4.61% | 2.39% | 2.28% | 4.75% | 3.34% |
| Q3 2025 | 4.73% | 2.35% | 2.44% | 4.90% | 3.38% |
| Q4 2025 | 4.98% | 2.23% | 2.78% | 5.16% | 3.41% |
| Q1 2026 | 4.93% | 2.10% | 2.86% | 5.21% | 3.47% |
| Q2 2026 | 4.96% | 2.02% | 2.98% | 5.19% | 3.49% |
River 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 River 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 River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14995) · FFIEC NIC profile (RSSD 279842)