Sterling 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.
Compared with Q1 2026, Total interest expense fell 2.8% in Q2 2026 to $1.4M, the biggest move on this page. Within Wisconsin, Sterling Bank is 97th of 153 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. Sterling Bank reported 3.64% on net interest margin for Q2 2026, 0.31 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.30% |
| Yield on securities | 2.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 0.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.31% | 1.70% | 2.73% | 5.44% | 2.05% |
| Q4 2023 | 4.48% | 1.74% | 2.87% | 5.67% | 2.03% |
| Q1 2024 | 4.58% | 1.93% | 2.78% | 5.81% | 2.01% |
| Q2 2024 | 4.70% | 1.99% | 2.86% | 5.97% | 1.98% |
| Q3 2024 | 4.82% | 2.06% | 2.92% | 6.11% | 1.96% |
| Q4 2024 | 4.94% | 2.02% | 3.08% | 6.21% | 1.96% |
| Q1 2025 | 4.90% | 1.97% | 3.07% | 6.12% | 2.02% |
| Q2 2025 | 5.01% | 1.93% | 3.23% | 6.25% | 2.02% |
| Q3 2025 | 5.13% | 1.85% | 3.41% | 6.35% | 2.02% |
| Q4 2025 | 5.21% | 1.77% | 3.59% | 6.39% | 2.04% |
| Q1 2026 | 5.13% | 1.71% | 3.54% | 6.26% | 2.03% |
| Q2 2026 | 5.20% | 1.70% | 3.64% | 6.30% | 2.07% |
Sterling 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 Sterling 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 Sterling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6195) · FFIEC NIC profile (RSSD 628356)