Waukesha 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.
The standout move of Q2 2026 was in Total interest expense: 9.4% lower than in Q1 2026, at $4.9M. Among 153 Wisconsin banks, Waukesha State Bank sits 15th from the top on net interest margin, 4.55% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Waukesha State Bank sits 0.84 points higher, at 4.55% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.21% |
| Yield on securities | 4.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 3.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.55% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.0M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $3.4M |
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 | 4.90% | 1.06% | 3.62% | 5.47% | 3.32% |
| Q4 2023 | 5.08% | 0.98% | 3.91% | 5.68% | 3.21% |
| Q1 2024 | 5.05% | 1.28% | 3.55% | 5.65% | 3.20% |
| Q2 2024 | 5.28% | 1.30% | 3.77% | 5.75% | 3.61% |
| Q3 2024 | 5.38% | 1.29% | 3.87% | 5.99% | 3.34% |
| Q4 2024 | 5.41% | 1.20% | 4.00% | 6.00% | 3.37% |
| Q1 2025 | 5.35% | 1.23% | 3.93% | 5.90% | 3.48% |
| Q2 2025 | 5.53% | 1.24% | 4.10% | 6.08% | 3.63% |
| Q3 2025 | 5.58% | 1.21% | 4.18% | 6.15% | 3.57% |
| Q4 2025 | 5.64% | 1.11% | 4.34% | 6.13% | 3.71% |
| Q1 2026 | 5.48% | 1.21% | 4.09% | 6.01% | 3.76% |
| Q2 2026 | 5.83% | 1.09% | 4.55% | 6.21% | 4.31% |
Waukesha 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 Waukesha 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 Waukesha State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16160) · FFIEC NIC profile (RSSD 290249)