Waterstone 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 0.11 percentage points, from 2.98% to 3.09%, the largest move among the key lines here. Waterstone Bank ranks 137th of 153 Wisconsin banks on net interest margin, in the lower half at 3.09% (Q2 2026). Waterstone Bank reported 3.09% on net interest margin for Q2 2026, 0.62 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.65% |
| Yield on loans | 5.97% |
| Yield on securities | 3.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.89% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.9M |
| Total interest expense | $13.6M |
| Interest expense on deposits | $10.1M |
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 | 5.09% | 3.11% | 2.34% | 5.36% | 2.78% |
| Q4 2023 | 5.20% | 3.27% | 2.31% | 5.46% | 2.92% |
| Q1 2024 | 5.23% | 3.43% | 2.19% | 5.48% | 3.07% |
| Q2 2024 | 5.33% | 3.66% | 2.06% | 5.57% | 3.15% |
| Q3 2024 | 5.50% | 3.70% | 2.19% | 5.72% | 3.37% |
| Q4 2024 | 5.56% | 3.49% | 2.49% | 5.86% | 3.21% |
| Q1 2025 | 5.48% | 3.34% | 2.53% | 5.76% | 3.30% |
| Q2 2025 | 5.47% | 3.20% | 2.64% | 5.76% | 3.42% |
| Q3 2025 | 5.63% | 3.16% | 2.83% | 5.92% | 3.54% |
| Q4 2025 | 5.67% | 3.02% | 2.99% | 5.97% | 3.60% |
| Q1 2026 | 5.55% | 2.93% | 2.98% | 5.85% | 3.63% |
| Q2 2026 | 5.65% | 2.89% | 3.09% | 5.97% | 3.65% |
Waterstone 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 Waterstone 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 Waterstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28513) · FFIEC NIC profile (RSSD 310978)