Spring 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 3.68% against 3.48%. It was the largest change among the key lines on this page. Spring Bank ranks 90th of 153 Wisconsin banks on net interest margin, in the lower half at 3.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Spring Bank sits 0.26 points lower, at 3.68% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 6.86% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.04% |
| Cost of interest-bearing deposits | 3.36% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.4M |
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 | 5.57% | 2.86% | 3.00% | 6.20% | 2.09% |
| Q4 2023 | 5.68% | 3.07% | 2.97% | 6.31% | 2.07% |
| Q1 2024 | 5.78% | 3.23% | 2.90% | 6.39% | 2.04% |
| Q2 2024 | 6.10% | 3.33% | 3.14% | 6.71% | 2.04% |
| Q3 2024 | 6.18% | 3.42% | 3.12% | 6.78% | 2.27% |
| Q4 2024 | 5.95% | 3.35% | 3.00% | 6.50% | 2.41% |
| Q1 2025 | 6.11% | 3.28% | 3.17% | 6.63% | 2.43% |
| Q2 2025 | 6.25% | 3.26% | 3.33% | 6.75% | 2.47% |
| Q3 2025 | 6.44% | 3.27% | 3.49% | 6.92% | 2.66% |
| Q4 2025 | 6.51% | 3.22% | 3.65% | 7.02% | 2.78% |
| Q1 2026 | 6.27% | 3.08% | 3.48% | 6.68% | 2.89% |
| Q2 2026 | 6.41% | 3.04% | 3.68% | 6.86% | 3.06% |
Spring 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 Spring 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 Spring Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58780) · FFIEC NIC profile (RSSD 3721605)