Alliance 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.
Cost of borrowings climbed 0.85 percentage points in Q2 2026, from 0.38% to 1.23%. It was the largest change from Q1 2026 among the key lines here. Alliance Bank ranks 9th of 87 Indiana banks on net interest margin, in the upper half at 4.35% (Q2 2026). Alliance Bank reported 4.35% on net interest margin for Q2 2026, 0.40 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.55% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.52% |
| Cost of interest-bearing liabilities | 1.52% |
| Cost of borrowings | 1.23% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.35% |
| Yield to cost spread | 3.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.47% | 0.54% | 3.98% | 6.05% | 2.53% |
| Q4 2023 | 4.69% | 0.83% | 3.92% | 6.29% | 2.54% |
| Q1 2024 | 4.86% | 0.91% | 4.02% | 6.33% | 2.53% |
| Q2 2024 | 5.11% | 1.26% | 3.95% | 6.56% | 2.52% |
| Q3 2024 | 5.39% | 1.42% | 4.07% | 6.73% | 2.56% |
| Q4 2024 | 5.22% | 1.33% | 3.99% | 6.52% | 2.40% |
| Q1 2025 | 5.25% | 1.19% | 4.17% | 6.52% | 2.37% |
| Q2 2025 | 5.40% | 1.32% | 4.20% | 6.64% | 2.38% |
| Q3 2025 | 5.49% | 1.33% | 4.28% | 6.69% | 2.40% |
| Q4 2025 | 5.48% | 1.22% | 4.36% | 6.67% | 2.41% |
| Q1 2026 | 5.55% | 1.15% | 4.48% | 6.65% | 2.54% |
| Q2 2026 | 5.46% | 1.22% | 4.35% | 6.55% | 2.42% |
Alliance 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 Alliance 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 Alliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 197) · FFIEC NIC profile (RSSD 493741)