Woodford 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.5% to $2.3M. Woodford State Bank ranks 73rd of 153 Wisconsin banks on net interest margin, in the upper half at 3.84% (Q2 2026). At 3.84%, Woodford State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 6.52% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $1.7M |
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 | 4.38% | 1.61% | 2.83% | 5.19% | 2.23% |
| Q4 2023 | 4.75% | 2.08% | 2.75% | 5.65% | 2.24% |
| Q1 2024 | 4.85% | 2.07% | 2.84% | 5.75% | 2.25% |
| Q2 2024 | 5.11% | 2.14% | 3.04% | 6.04% | 2.32% |
| Q3 2024 | 5.27% | 2.21% | 3.14% | 6.25% | 2.29% |
| Q4 2024 | 5.44% | 2.18% | 3.35% | 6.43% | 2.37% |
| Q1 2025 | 5.34% | 1.98% | 3.41% | 6.31% | 2.41% |
| Q2 2025 | 5.50% | 1.97% | 3.60% | 6.50% | 2.45% |
| Q3 2025 | 5.66% | 1.98% | 3.75% | 6.63% | 2.55% |
| Q4 2025 | 5.72% | 1.93% | 3.87% | 6.66% | 2.55% |
| Q1 2026 | 5.57% | 1.88% | 3.77% | 6.41% | 2.59% |
| Q2 2026 | 5.67% | 1.93% | 3.84% | 6.52% | 2.63% |
Woodford 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 Woodford 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 Woodford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10011) · FFIEC NIC profile (RSSD 93244)