Wolf River Community 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.31 percentage points to 4.84%. Among 153 Wisconsin banks, Wolf River Community Bank sits 7th from the top on net interest margin, 4.84% as of Q2 2026. Wolf River Community Bank reported 4.84% on net interest margin for Q2 2026, 0.89 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.53% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | 2.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 4.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $950K |
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 | 4.86% | 1.01% | 3.93% | 5.36% | 2.55% |
| Q4 2023 | 5.11% | 1.16% | 4.05% | 5.63% | 2.64% |
| Q1 2024 | 5.27% | 1.35% | 4.01% | 5.78% | 2.59% |
| Q2 2024 | 5.46% | 1.45% | 4.13% | 5.94% | 2.69% |
| Q3 2024 | 5.62% | 1.56% | 4.20% | 6.09% | 2.77% |
| Q4 2024 | 5.75% | 1.56% | 4.33% | 6.24% | 2.83% |
| Q1 2025 | 5.70% | 1.50% | 4.32% | 6.23% | 2.90% |
| Q2 2025 | 5.83% | 1.45% | 4.49% | 6.32% | 3.14% |
| Q3 2025 | 5.91% | 1.54% | 4.51% | 6.43% | 3.18% |
| Q4 2025 | 5.88% | 1.49% | 4.55% | 6.42% | 3.26% |
| Q1 2026 | 5.79% | 1.38% | 4.53% | 6.37% | 3.24% |
| Q2 2026 | 6.08% | 1.37% | 4.84% | 6.53% | 3.45% |
Wolf River Community 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 Wolf River Community 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 Wolf River Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34240) · FFIEC NIC profile (RSSD 2505424)