Unity 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.
The standout move of Q2 2026 was in Total interest expense: 8.2% lower than in Q1 2026, at $2.5M. Unity Bank ranks 78th of 153 Wisconsin banks on net interest margin, in the lower half at 3.80% (Q2 2026). Unity Bank reported 3.80% on net interest margin for Q2 2026, 0.14 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.02% |
| Yield on securities | 3.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.88% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 3.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.4M |
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 | 5.61% | 1.87% | 3.88% | 5.98% | 2.63% |
| Q4 2023 | 5.62% | 2.07% | 3.70% | 5.95% | 3.04% |
| Q1 2024 | 5.85% | 2.15% | 3.83% | 6.21% | 2.98% |
| Q2 2024 | 5.80% | 2.32% | 3.64% | 6.15% | 3.03% |
| Q3 2024 | 6.03% | 2.38% | 3.82% | 6.39% | 3.08% |
| Q4 2024 | 6.17% | 2.38% | 3.96% | 6.66% | 3.08% |
| Q1 2025 | 5.75% | 2.31% | 3.59% | 6.23% | 3.16% |
| Q2 2025 | 5.98% | 2.14% | 3.96% | 6.48% | 3.37% |
| Q3 2025 | 5.83% | 2.09% | 3.87% | 6.25% | 3.59% |
| Q4 2025 | 5.59% | 2.02% | 3.71% | 6.02% | 3.72% |
| Q1 2026 | 5.62% | 1.96% | 3.78% | 6.13% | 3.76% |
| Q2 2026 | 5.55% | 1.88% | 3.80% | 6.02% | 3.77% |
Unity 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 Unity 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 Unity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8714) · FFIEC NIC profile (RSSD 443353)