River Falls State 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, Net interest margin rose 0.19 percentage points in Q2 2026 to 3.65%, the biggest move on this page. River Falls State Bank ranks 95th of 153 Wisconsin banks on net interest margin, in the lower half at 3.65% (Q2 2026). River Falls State Bank reported 3.65% on net interest margin for Q2 2026, 0.30 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $503K |
| Interest expense on deposits | $486K |
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 |
|---|---|---|---|
| Q3 2023 | 3.82% | 1.15% | 2.75% |
| Q4 2023 | 4.11% | 1.29% | 2.89% |
| Q1 2024 | 4.14% | 1.45% | 2.76% |
| Q2 2024 | 4.43% | 1.67% | 2.85% |
| Q3 2024 | 4.52% | 1.74% | 2.89% |
| Q4 2024 | 4.61% | 1.83% | 2.90% |
| Q1 2025 | 4.57% | 1.74% | 2.92% |
| Q2 2025 | 4.76% | 1.75% | 3.13% |
| Q3 2025 | 4.89% | 1.79% | 3.23% |
| Q4 2025 | 4.98% | 1.72% | 3.36% |
| Q1 2026 | 4.98% | 1.59% | 3.46% |
| Q2 2026 | 5.13% | 1.57% | 3.65% |
River Falls State 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 Falls State 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 Falls State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16840) · FFIEC NIC profile (RSSD 955753)