Alliance Community 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.
Net interest margin rose 0.13 percentage points from Q1 2026 to Q2 2026, ending at 3.66% against 3.53%. It was the largest change among the key lines on this page. Within Illinois, Alliance Community Bank is 166th of 323 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. Alliance Community Bank reported 3.66% on net interest margin for Q2 2026, 0.29 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 6.47% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.79% |
| Cost of borrowings | 2.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 3.90% | 1.62% | 2.34% | 5.30% | 2.04% |
| Q4 2023 | 4.12% | 1.86% | 2.35% | 5.54% | 2.08% |
| Q1 2024 | 4.24% | 1.89% | 2.42% | 5.69% | 2.09% |
| Q2 2024 | 4.48% | 1.95% | 2.61% | 5.90% | 2.08% |
| Q3 2024 | 4.63% | 2.00% | 2.71% | 6.11% | 2.11% |
| Q4 2024 | 4.72% | 1.87% | 2.94% | 6.17% | 2.14% |
| Q1 2025 | 4.69% | 1.71% | 3.07% | 6.16% | 2.17% |
| Q2 2025 | 5.01% | 1.69% | 3.40% | 6.51% | 2.20% |
| Q3 2025 | 5.03% | 1.70% | 3.42% | 6.54% | 2.19% |
| Q4 2025 | 5.10% | 1.59% | 3.59% | 6.52% | 2.22% |
| Q1 2026 | 4.93% | 1.47% | 3.53% | 6.35% | 2.26% |
| Q2 2026 | 5.05% | 1.48% | 3.66% | 6.47% | 2.23% |
Alliance Community 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 Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9631) · FFIEC NIC profile (RSSD 924937)