Security 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.
The standout move of Q2 2026 was in Net interest margin: 1.54 percentage points lower than in Q1 2026, at 4.75%. Among 153 Wisconsin banks, Security State Bank sits 10th from the top on net interest margin, 4.75% as of Q2 2026. Security State Bank reported 4.75% on net interest margin for Q2 2026, 0.81 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 7.04% |
| Yield on securities | 4.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 1.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.75% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $358K |
| Interest expense on deposits | $353K |
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 | 5.49% | 1.07% | 4.60% | 6.53% | 4.04% |
| Q4 2023 | 5.80% | 1.19% | 4.80% | 6.79% | 3.97% |
| Q1 2024 | 6.00% | 1.31% | 4.89% | 7.29% | 3.96% |
| Q2 2024 | 6.07% | 1.39% | 4.89% | 7.32% | 3.95% |
| Q3 2024 | 6.23% | 1.70% | 4.81% | 7.50% | 4.00% |
| Q4 2024 | 6.80% | 1.48% | 5.58% | 8.29% | 3.98% |
| Q1 2025 | 5.96% | 1.41% | 4.74% | 7.17% | 3.97% |
| Q2 2025 | 5.96% | 1.28% | 4.84% | 7.14% | 3.96% |
| Q3 2025 | 6.37% | 1.30% | 5.29% | 7.64% | 3.88% |
| Q4 2025 | 6.10% | 1.28% | 5.05% | 7.36% | 4.09% |
| Q1 2026 | 7.25% | 1.23% | 6.29% | 9.65% | 4.09% |
| Q2 2026 | 5.83% | 1.34% | 4.75% | 7.04% | 4.18% |
Security 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 Security 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9036) · FFIEC NIC profile (RSSD 43052)