Security Financial 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.2% to $5.0M. Security Financial Bank ranks 82nd of 153 Wisconsin banks on net interest margin, in the lower half at 3.79% (Q2 2026). At 3.79%, Security Financial Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $5.0M |
| Interest expense on deposits | $4.2M |
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 | 4.47% | 1.74% | 2.83% |
| Q4 2023 | 4.61% | 1.93% | 2.80% |
| Q1 2024 | 4.68% | 2.25% | 2.64% |
| Q2 2024 | 4.90% | 2.36% | 2.77% |
| Q3 2024 | 5.07% | 2.49% | 2.80% |
| Q4 2024 | 5.19% | 2.34% | 3.02% |
| Q1 2025 | 5.28% | 2.22% | 3.20% |
| Q2 2025 | 5.50% | 2.22% | 3.43% |
| Q3 2025 | 5.59% | 2.24% | 3.52% |
| Q4 2025 | 5.72% | 2.19% | 3.69% |
| Q1 2026 | 5.61% | 2.10% | 3.68% |
| Q2 2026 | 5.80% | 2.20% | 3.79% |
Security Financial 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 Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14222) · FFIEC NIC profile (RSSD 450959)