1NB 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 0.16 percentage points to 3.43%. Within Illinois, 1NB Bank is 208th of 323 on net interest margin, 3.43% as of Q2 2026. 1NB Bank reported 3.43% on net interest margin for Q2 2026, 0.51 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.92% |
| Yield on loans | 6.06% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 3.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $957K |
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 | 4.00% | 1.73% | 2.33% | 5.53% | 2.09% |
| Q4 2023 | 4.04% | 2.01% | 2.16% | 5.62% | 2.01% |
| Q1 2024 | 4.15% | 2.08% | 2.20% | 5.74% | 2.04% |
| Q2 2024 | 4.24% | 2.00% | 2.37% | 5.83% | 2.05% |
| Q3 2024 | 4.33% | 1.94% | 2.52% | 5.97% | 2.10% |
| Q4 2024 | 4.37% | 1.94% | 2.55% | 5.89% | 2.29% |
| Q1 2025 | 4.34% | 1.80% | 2.66% | 5.78% | 2.22% |
| Q2 2025 | 4.51% | 1.72% | 2.93% | 5.93% | 2.26% |
| Q3 2025 | 4.70% | 1.80% | 3.04% | 6.13% | 2.28% |
| Q4 2025 | 4.78% | 1.76% | 3.14% | 6.10% | 2.31% |
| Q1 2026 | 4.79% | 1.65% | 3.27% | 5.97% | 2.38% |
| Q2 2026 | 4.92% | 1.62% | 3.43% | 6.06% | 2.42% |
1NB 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 1NB 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 1NB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14761) · FFIEC NIC profile (RSSD 614948)