Waumandee 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, Cost of borrowings rose 0.58 percentage points in Q2 2026 to 5.04%, the biggest move on this page. Waumandee State Bank ranks 29th of 153 Wisconsin banks on net interest margin, in the upper half at 4.28% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Waumandee State Bank sits 0.33 points higher, at 4.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 6.87% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 5.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 4.99% | 1.78% | 3.32% | 5.88% | 1.70% |
| Q4 2023 | 5.25% | 1.91% | 3.44% | 6.12% | 1.80% |
| Q1 2024 | 5.42% | 1.99% | 3.46% | 6.30% | 1.91% |
| Q2 2024 | 5.69% | 2.18% | 3.60% | 6.58% | 1.94% |
| Q3 2024 | 5.90% | 2.36% | 3.74% | 6.78% | 2.11% |
| Q4 2024 | 5.95% | 2.25% | 3.91% | 6.82% | 2.27% |
| Q1 2025 | 5.87% | 1.98% | 3.85% | 6.67% | 2.45% |
| Q2 2025 | 5.98% | 2.20% | 3.96% | 6.75% | 2.63% |
| Q3 2025 | 6.00% | 2.18% | 4.08% | 6.97% | 2.34% |
| Q4 2025 | 6.29% | 2.11% | 4.36% | 7.09% | 2.88% |
| Q1 2026 | 5.95% | 1.97% | 4.14% | 6.81% | 3.08% |
| Q2 2026 | 6.01% | 1.93% | 4.28% | 6.87% | 3.14% |
Waumandee 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 Waumandee 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 Waumandee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10384) · FFIEC NIC profile (RSSD 780955)