Wilson 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.
Cost of borrowings fell 0.32 percentage points from Q1 2026 to Q2 2026, ending at 4.01% against 4.33%. It was the largest change among the key lines on this page. Wilson State Bank ranks 117th of 182 Kansas banks on net interest margin, in the lower half at 3.75% (Q2 2026). Wilson State Bank reported 3.75% on net interest margin for Q2 2026, 0.19 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 6.28% |
| Yield on securities | 1.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.39% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.80% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $392K |
| Interest expense on deposits | $353K |
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 | 4.42% | 1.36% | 3.11% | 5.49% | 1.87% |
| Q4 2023 | 4.57% | 1.52% | 3.17% | 5.63% | 1.85% |
| Q1 2024 | 4.67% | 1.49% | 3.26% | 5.75% | 1.85% |
| Q2 2024 | 4.84% | 1.54% | 3.38% | 5.96% | 1.89% |
| Q3 2024 | 5.10% | 1.55% | 3.63% | 6.26% | 1.79% |
| Q4 2024 | 5.16% | 1.56% | 3.69% | 6.32% | 1.79% |
| Q1 2025 | 5.12% | 1.48% | 3.62% | 6.22% | 1.82% |
| Q2 2025 | 5.13% | 1.48% | 3.65% | 6.28% | 1.77% |
| Q3 2025 | 5.25% | 1.61% | 3.73% | 6.40% | 1.77% |
| Q4 2025 | 5.28% | 1.51% | 3.86% | 6.42% | 1.76% |
| Q1 2026 | 5.07% | 1.46% | 3.71% | 6.23% | 1.74% |
| Q2 2026 | 5.03% | 1.39% | 3.75% | 6.28% | 1.75% |
Wilson 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 Wilson 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 Wilson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12136) · FFIEC NIC profile (RSSD 501655)