Apple River 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 3.34%, the biggest move on this page. Within Illinois, Apple River State Bank is 228th of 323 on net interest margin, 3.34% as of Q2 2026. Apple River State Bank reported 3.34% on net interest margin for Q2 2026, 0.60 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 6.41% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 3.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.4M |
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 | 4.13% | 1.74% | 2.49% | 5.31% | 2.17% |
| Q4 2023 | 4.34% | 1.99% | 2.45% | 5.46% | 2.26% |
| Q1 2024 | 4.45% | 2.17% | 2.39% | 5.63% | 2.34% |
| Q2 2024 | 4.65% | 2.21% | 2.54% | 5.82% | 2.33% |
| Q3 2024 | 4.76% | 2.25% | 2.63% | 6.00% | 2.40% |
| Q4 2024 | 4.87% | 2.21% | 2.77% | 6.08% | 2.47% |
| Q1 2025 | 4.84% | 2.10% | 2.84% | 6.07% | 2.50% |
| Q2 2025 | 4.98% | 2.12% | 2.98% | 6.20% | 2.60% |
| Q3 2025 | 5.05% | 2.08% | 3.07% | 6.35% | 2.73% |
| Q4 2025 | 5.13% | 2.08% | 3.15% | 6.38% | 2.72% |
| Q1 2026 | 5.09% | 2.01% | 3.20% | 6.30% | 2.87% |
| Q2 2026 | 5.18% | 1.96% | 3.34% | 6.41% | 2.93% |
Apple River 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 Apple River 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 Apple River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17453) · FFIEC NIC profile (RSSD 594938)