The Stephenson National Bank and Trust: 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 6.2% to $2.8M. The Stephenson National Bank and Trust ranks 57th of 153 Wisconsin banks on net interest margin, in the upper half at 4.01% (Q2 2026). At 4.01%, The Stephenson National Bank and Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.32% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.0M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 | 4.55% | 1.88% | 2.78% | 5.38% | 2.12% |
| Q4 2023 | 4.74% | 2.02% | 2.85% | 5.58% | 2.22% |
| Q1 2024 | 4.96% | 2.19% | 2.89% | 5.72% | 2.54% |
| Q2 2024 | 5.55% | 2.23% | 3.46% | 6.54% | 2.52% |
| Q3 2024 | 5.32% | 2.35% | 3.17% | 6.15% | 2.66% |
| Q4 2024 | 5.31% | 2.20% | 3.24% | 6.15% | 2.81% |
| Q1 2025 | 5.18% | 2.10% | 3.21% | 5.94% | 3.03% |
| Q2 2025 | 5.35% | 2.01% | 3.46% | 6.10% | 3.04% |
| Q3 2025 | 5.61% | 1.98% | 3.77% | 6.41% | 3.07% |
| Q4 2025 | 5.62% | 1.96% | 3.79% | 6.32% | 3.20% |
| Q1 2026 | 5.61% | 1.93% | 3.86% | 6.30% | 3.20% |
| Q2 2026 | 5.71% | 1.79% | 4.01% | 6.32% | 3.49% |
The Stephenson National Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Stephenson National Bank and Trust, 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 The Stephenson National Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5306) · FFIEC NIC profile (RSSD 598048)