1st Source 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.
Total interest expense rose 4.8% from Q1 2026 to Q2 2026, ending at $36.0M against $34.4M. It was the largest change among the key lines on this page. Within Indiana, 1st Source Bank is 14th of 87 on net interest margin, 4.23% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. 1st Source Bank sits 0.52 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.54% |
| Yield on securities | 3.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.37% |
| Cost of borrowings | 1.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $113.5M |
| Total interest expense | $36.0M |
| Interest expense on deposits | $34.5M |
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 | 5.20% | 2.01% | 3.42% | 6.42% | 1.38% |
| Q4 2023 | 5.46% | 2.21% | 3.53% | 6.71% | 1.43% |
| Q1 2024 | 5.51% | 2.31% | 3.48% | 6.72% | 1.46% |
| Q2 2024 | 5.65% | 2.40% | 3.54% | 6.85% | 1.46% |
| Q3 2024 | 5.79% | 2.44% | 3.66% | 6.98% | 1.55% |
| Q4 2024 | 5.73% | 2.26% | 3.75% | 6.82% | 1.89% |
| Q1 2025 | 5.71% | 2.11% | 3.85% | 6.69% | 2.10% |
| Q2 2025 | 5.83% | 2.09% | 4.00% | 6.73% | 2.30% |
| Q3 2025 | 5.95% | 2.09% | 4.13% | 6.86% | 2.38% |
| Q4 2025 | 6.05% | 1.97% | 4.34% | 6.90% | 2.85% |
| Q1 2026 | 5.76% | 1.81% | 4.19% | 6.46% | 3.08% |
| Q2 2026 | 5.83% | 1.84% | 4.23% | 6.54% | 3.23% |
1st Source 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 Source 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 Source Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9087) · FFIEC NIC profile (RSSD 991340)