1st Equity 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.
Yield to cost spread rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 3.77% against 3.40%. It was the largest change among the key lines on this page. Within Illinois, 1st Equity Bank is 94th of 323 on net interest margin, 4.05% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; 1st Equity Bank reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.33% |
| Yield on loans | 6.59% |
| Yield on securities | 4.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 1.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $636K |
| Interest expense on deposits | $581K |
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 | 6.91% | 3.25% | 4.07% | 7.47% | 5.97% |
| Q4 2023 | 7.12% | 3.61% | 3.99% | 7.50% | 21.71% |
| Q1 2024 | 7.00% | 3.54% | 3.91% | 7.39% | 6.45% |
| Q2 2024 | 7.25% | 3.48% | 4.20% | 7.52% | 6.78% |
| Q3 2024 | 6.98% | 3.50% | 3.88% | 7.35% | 7.27% |
| Q4 2024 | 6.60% | 3.20% | 3.80% | 6.98% | 3.74% |
| Q1 2025 | 6.13% | 2.91% | 3.58% | 6.68% | 7.62% |
| Q2 2025 | 6.15% | 2.96% | 3.53% | 6.65% | 3.92% |
| Q3 2025 | 7.51% | 2.76% | 5.09% | 8.36% | 4.00% |
| Q4 2025 | 6.13% | 2.59% | 3.85% | 6.56% | 8.42% |
| Q1 2026 | 6.01% | 2.43% | 3.87% | 6.80% | 4.30% |
| Q2 2026 | 6.33% | 2.45% | 4.05% | 6.59% | 4.55% |
1st Equity 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 1st Equity 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 1st Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34393) · FFIEC NIC profile (RSSD 2531562)