Anna State 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 2.75% to 2.87%, the largest move among the key lines here. On net interest margin, Anna State Bank is 30th from the bottom among 323 Illinois banks, 2.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Anna State Bank sits 1.07 points lower, at 2.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.23% |
| Yield on loans | 6.47% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $704K |
| Total interest expense | $369K |
| Interest expense on deposits | $369K |
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 | 3.12% | 0.95% | 2.26% | 5.23% | 1.72% |
| Q4 2023 | 3.29% | 1.14% | 2.26% | 5.53% | 1.76% |
| Q1 2024 | 3.38% | 1.22% | 2.28% | 5.55% | 1.83% |
| Q2 2024 | 3.54% | 1.35% | 2.33% | 5.82% | 1.83% |
| Q3 2024 | 3.73% | 1.48% | 2.41% | 6.07% | 1.89% |
| Q4 2024 | 3.86% | 1.56% | 2.45% | 6.20% | 1.99% |
| Q1 2025 | 3.88% | 1.59% | 2.43% | 6.07% | 2.18% |
| Q2 2025 | 4.02% | 1.64% | 2.54% | 6.23% | 2.21% |
| Q3 2025 | 4.16% | 1.65% | 2.66% | 6.43% | 2.27% |
| Q4 2025 | 4.22% | 1.62% | 2.73% | 6.51% | 2.30% |
| Q1 2026 | 4.17% | 1.55% | 2.75% | 6.30% | 2.33% |
| Q2 2026 | 4.23% | 1.51% | 2.87% | 6.47% | 2.32% |
Anna State 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 Anna State 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 Anna State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11682) · FFIEC NIC profile (RSSD 691743)