Waldo 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.
In Q2 2026, Net interest margin edged up by 0.06 percentage points, from 3.48% to 3.54%, the largest move among the key lines here. Waldo State Bank ranks 111th of 153 Wisconsin banks on net interest margin, in the lower half at 3.54% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Waldo State Bank sits 0.41 points lower, at 3.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.68% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.65% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $908K |
| Interest expense on deposits | $831K |
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 | 5.13% | 2.19% | 3.07% | 5.78% | 2.30% |
| Q4 2023 | 5.39% | 2.40% | 3.13% | 5.99% | 2.35% |
| Q1 2024 | 5.57% | 2.65% | 3.05% | 6.17% | 2.32% |
| Q2 2024 | 5.91% | 2.70% | 3.33% | 6.45% | 2.10% |
| Q3 2024 | 6.03% | 2.80% | 3.33% | 6.53% | 2.18% |
| Q4 2024 | 6.36% | 2.96% | 3.55% | 6.84% | 2.41% |
| Q1 2025 | 6.18% | 2.80% | 3.53% | 6.76% | 2.44% |
| Q2 2025 | 6.07% | 2.96% | 3.31% | 6.65% | 2.70% |
| Q3 2025 | 6.07% | 2.98% | 3.26% | 6.65% | 2.76% |
| Q4 2025 | 6.12% | 2.92% | 3.37% | 6.67% | 2.91% |
| Q1 2026 | 6.01% | 2.68% | 3.48% | 6.68% | 3.05% |
| Q2 2026 | 6.05% | 2.65% | 3.54% | 6.68% | 3.14% |
Waldo 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 Waldo 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 Waldo State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8700) · FFIEC NIC profile (RSSD 131940)