State Bank of Newburg: 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 Net interest margin, which rose 0.21 percentage points to 4.37%. State Bank of Newburg ranks 26th of 153 Wisconsin banks on net interest margin, in the upper half at 4.37% (Q2 2026). State Bank of Newburg reported 4.37% on net interest margin for Q2 2026, 0.42 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.72% |
| Yield on loans | 7.09% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.70% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.03% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.22% | 2.62% | 2.98% | 5.75% | 1.96% |
| Q4 2023 | 5.70% | 2.80% | 3.30% | 6.20% | 2.18% |
| Q1 2024 | 5.70% | 2.85% | 3.23% | 6.21% | 2.09% |
| Q2 2024 | 6.02% | 3.00% | 3.42% | 6.45% | 2.03% |
| Q3 2024 | 6.21% | 3.04% | 3.56% | 6.66% | 2.01% |
| Q4 2024 | 6.32% | 2.92% | 3.78% | 6.79% | 1.89% |
| Q1 2025 | 6.29% | 2.78% | 3.82% | 6.77% | 2.08% |
| Q2 2025 | 6.51% | 2.72% | 4.11% | 6.92% | 2.44% |
| Q3 2025 | 6.64% | 2.78% | 4.18% | 7.10% | 2.40% |
| Q4 2025 | 6.65% | 2.73% | 4.27% | 7.08% | 2.49% |
| Q1 2026 | 6.52% | 2.69% | 4.16% | 6.95% | 2.52% |
| Q2 2026 | 6.72% | 2.70% | 4.37% | 7.09% | 2.76% |
State Bank of Newburg 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 Newburg, 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 Newburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9529) · FFIEC NIC profile (RSSD 228345)