The Atlanta National 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.
The biggest quarter-over-quarter change on this page was a small one: Cost of funds edged up 0.14 percentage points between Q2 2026 and Q3 2026, to 1.01%. The Atlanta National Bank ranks 186th of 323 Illinois banks on net interest margin, in the lower half at 3.58% (Q3 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Atlanta National Bank sits 0.31 points lower, at 3.58% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $589K |
| Total interest expense | $219K |
| Interest expense on deposits | $208K |
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 |
|---|---|---|---|
| Q4 2023 | 4.24% | 0.71% | 3.43% |
| Q1 2024 | 3.92% | 0.81% | 2.96% |
| Q2 2024 | 4.14% | 0.90% | 3.08% |
| Q3 2024 | 4.26% | 0.98% | 3.16% |
| Q4 2024 | 4.47% | 0.95% | 3.42% |
| Q1 2025 | 4.36% | 0.93% | 3.30% |
| Q2 2025 | 4.46% | 0.97% | 3.37% |
| Q3 2025 | 4.55% | 0.98% | 3.45% |
| Q4 2025 | 4.62% | 0.96% | 3.56% |
| Q1 2026 | 4.58% | 0.81% | 3.55% |
| Q2 2026 | 4.66% | 0.87% | 3.57% |
| Q3 2026 | 4.69% | 1.01% | 3.58% |
The Atlanta National 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 The Atlanta National 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 The Atlanta National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3601) · FFIEC NIC profile (RSSD 672238)