Union State 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, Net interest margin rose 0.22 percentage points in Q2 2026 to 3.83%, the biggest move on this page. Within Wisconsin, Union State Bank is 74th of 153 on net interest margin, 3.83% as of Q2 2026. At 3.83%, Union State Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 6.95% |
| Yield on securities | 2.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $511K |
| Interest expense on deposits | $437K |
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 | 4.25% | 1.82% | 2.55% | 5.60% | 1.80% |
| Q4 2023 | 4.49% | 2.08% | 2.57% | 5.83% | 1.85% |
| Q1 2024 | 4.63% | 2.09% | 2.68% | 6.02% | 1.94% |
| Q2 2024 | 4.94% | 2.14% | 2.96% | 6.37% | 2.17% |
| Q3 2024 | 5.10% | 2.14% | 3.11% | 6.56% | 2.20% |
| Q4 2024 | 5.31% | 2.16% | 3.31% | 6.66% | 2.20% |
| Q1 2025 | 5.58% | 2.18% | 3.36% | 6.54% | 3.20% |
| Q2 2025 | 5.31% | 2.16% | 3.31% | 6.76% | 2.31% |
| Q3 2025 | 5.47% | 2.15% | 3.49% | 6.91% | 2.35% |
| Q4 2025 | 5.53% | 2.04% | 3.66% | 6.95% | 2.39% |
| Q1 2026 | 5.37% | 1.91% | 3.61% | 6.84% | 2.55% |
| Q2 2026 | 5.60% | 1.94% | 3.83% | 6.95% | 2.69% |
Union State 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 Union State 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 Union State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14560) · FFIEC NIC profile (RSSD 903754)