Shell Lake 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 2.8% to $1.5M. Within Wisconsin, Shell Lake State Bank is 116th of 153 on net interest margin, 3.48% as of Q2 2026. Shell Lake State Bank reported 3.48% on net interest margin for Q2 2026, 0.46 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 6.16% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 4.04% | 1.47% | 2.69% | 4.95% | 2.43% |
| Q4 2023 | 4.27% | 1.70% | 2.72% | 5.18% | 2.50% |
| Q1 2024 | 4.42% | 1.94% | 2.65% | 5.35% | 2.55% |
| Q2 2024 | 4.61% | 2.10% | 2.69% | 5.55% | 2.69% |
| Q3 2024 | 4.80% | 2.22% | 2.78% | 5.80% | 2.71% |
| Q4 2024 | 4.91% | 2.15% | 2.96% | 5.92% | 2.74% |
| Q1 2025 | 4.85% | 2.01% | 3.02% | 5.84% | 2.78% |
| Q2 2025 | 4.97% | 2.09% | 3.05% | 5.99% | 2.85% |
| Q3 2025 | 5.06% | 2.10% | 3.15% | 6.15% | 3.01% |
| Q4 2025 | 5.14% | 2.07% | 3.25% | 6.16% | 3.15% |
| Q1 2026 | 5.14% | 1.97% | 3.34% | 6.08% | 3.20% |
| Q2 2026 | 5.25% | 1.93% | 3.48% | 6.16% | 3.30% |
Shell Lake 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 Shell Lake 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 Shell Lake State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14911) · FFIEC NIC profile (RSSD 896155)