Security 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 standout move of Q2 2026 was in Total interest expense: 12.2% higher than in Q1 2026, at $1.6M. Security Bank ranks 63rd of 153 Wisconsin banks on net interest margin, in the upper half at 3.94% (Q2 2026). At 3.94%, Security Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.55% |
| Yield on loans | 6.96% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.03% |
| Cost of interest-bearing deposits | 3.75% |
| Cost of interest-bearing liabilities | 3.60% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 5.82% | 2.14% | 3.89% | 6.03% | 2.92% |
| Q4 2023 | 6.00% | 2.54% | 3.71% | 6.19% | 3.16% |
| Q1 2024 | 6.16% | 2.88% | 3.49% | 6.40% | 3.08% |
| Q2 2024 | 7.16% | 2.99% | 4.38% | 7.40% | 3.16% |
| Q3 2024 | 6.68% | 3.22% | 3.69% | 6.95% | 3.02% |
| Q4 2024 | 6.72% | 3.14% | 3.81% | 7.06% | 3.41% |
| Q1 2025 | 6.59% | 3.11% | 3.81% | 6.92% | 3.15% |
| Q2 2025 | 6.65% | 3.29% | 3.75% | 7.01% | 3.38% |
| Q3 2025 | 6.82% | 3.21% | 4.08% | 7.20% | 3.14% |
| Q4 2025 | 6.77% | 2.90% | 4.19% | 7.17% | 3.28% |
| Q1 2026 | 6.58% | 2.83% | 4.04% | 6.89% | 3.05% |
| Q2 2026 | 6.55% | 3.03% | 3.94% | 6.96% | 3.54% |
Security 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 Security 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10015) · FFIEC NIC profile (RSSD 20053)