State Bank of Chilton: 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 fell 0.65 percentage points in Q2 2026 to 2.60%, the biggest move on this page. State Bank of Chilton ranks 23rd of 153 Wisconsin banks on net interest margin, in the upper half at 4.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank of Chilton sits 0.47 points higher, at 4.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.48% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | 2.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.42% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 | 5.28% | 1.78% | 3.67% | 5.43% | 4.42% |
| Q4 2023 | 5.47% | 1.88% | 3.78% | 5.54% | 4.65% |
| Q1 2024 | 5.52% | 1.97% | 3.75% | 5.68% | 4.69% |
| Q2 2024 | 5.77% | 2.05% | 3.93% | 5.87% | 5.14% |
| Q3 2024 | 5.93% | 2.30% | 3.89% | 6.13% | 5.09% |
| Q4 2024 | 6.18% | 2.24% | 4.22% | 6.41% | 4.82% |
| Q1 2025 | 5.92% | 1.99% | 4.13% | 6.22% | 4.64% |
| Q2 2025 | 6.10% | 2.07% | 4.25% | 6.44% | 4.73% |
| Q3 2025 | 6.43% | 2.10% | 4.58% | 6.84% | 4.88% |
| Q4 2025 | 6.23% | 2.00% | 4.45% | 6.68% | 4.68% |
| Q1 2026 | 5.95% | 1.91% | 4.25% | 6.36% | 4.56% |
| Q2 2026 | 6.12% | 1.93% | 4.42% | 6.48% | 4.61% |
State Bank of Chilton 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 of Chilton, 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 of Chilton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12331) · FFIEC NIC profile (RSSD 120542)