Town Bank, N.A.: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.12 percentage points between Q1 2026 and Q2 2026, to 5.31%. Town Bank, N.A. has the 16th lowest net interest margin of the 153 banks headquartered in Wisconsin, at 3.02% as of Q2 2026. Town Bank, N.A. reported 3.02% on net interest margin for Q2 2026, 0.69 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.02% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.8M |
| Total interest expense | $22.2M |
| Interest expense on deposits | $19.6M |
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 |
|---|---|---|---|
| Q3 2023 | 5.10% | 2.35% | 2.93% |
| Q4 2023 | 5.29% | 2.53% | 2.96% |
| Q1 2024 | 5.35% | 2.70% | 2.84% |
| Q2 2024 | 5.41% | 2.89% | 2.73% |
| Q3 2024 | 5.59% | 2.93% | 2.86% |
| Q4 2024 | 5.45% | 2.64% | 3.00% |
| Q1 2025 | 5.30% | 2.43% | 3.04% |
| Q2 2025 | 5.33% | 2.46% | 3.03% |
| Q3 2025 | 5.45% | 2.51% | 3.10% |
| Q4 2025 | 5.18% | 2.34% | 3.02% |
| Q1 2026 | 5.03% | 2.20% | 2.99% |
| Q2 2026 | 5.02% | 2.18% | 3.02% |
Town Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Bank, N.A., 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 Town Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34717) · FFIEC NIC profile (RSSD 2693264)