State Bank Financial: 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.
Compared with Q1 2026, Cost of borrowings rose 0.62 percentage points in Q2 2026 to 3.77%, the biggest move on this page. Within Wisconsin, State Bank Financial is 125th of 153 on net interest margin, 3.31% as of Q2 2026, below the middle of the field. State Bank Financial reported 3.31% on net interest margin for Q2 2026, 0.64 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.12% |
| Yield on loans | 6.17% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.0M |
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 | 4.48% | 1.79% | 2.82% | 5.94% | 2.03% |
| Q4 2023 | 4.64% | 1.95% | 2.84% | 6.05% | 1.96% |
| Q1 2024 | 4.77% | 2.10% | 2.81% | 6.22% | 1.96% |
| Q2 2024 | 4.71% | 2.12% | 2.76% | 6.06% | 1.94% |
| Q3 2024 | 4.78% | 2.24% | 2.71% | 6.22% | 1.98% |
| Q4 2024 | 4.79% | 2.31% | 2.67% | 6.11% | 2.10% |
| Q1 2025 | 4.68% | 2.15% | 2.70% | 5.96% | 2.23% |
| Q2 2025 | 4.92% | 2.13% | 2.93% | 6.15% | 2.36% |
| Q3 2025 | 5.04% | 2.15% | 3.03% | 6.33% | 2.38% |
| Q4 2025 | 5.10% | 2.06% | 3.21% | 6.24% | 2.43% |
| Q1 2026 | 4.87% | 1.93% | 3.08% | 6.05% | 2.50% |
| Q2 2026 | 5.12% | 1.97% | 3.31% | 6.17% | 2.68% |
State Bank Financial yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank Financial, 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 State Bank Financial profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10383) · FFIEC NIC profile (RSSD 2631172)