Bank of Farmington: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.71 percentage points to 0.00%. Bank of Farmington ranks 177th of 323 Illinois banks on net interest margin, in the lower half at 3.63% (Q2 2026). Bank of Farmington reported 3.63% on net interest margin for Q2 2026, 0.32 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 5.95% |
| Yield on securities | 3.16% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $919K |
| Interest expense on deposits | $919K |
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 | 4.61% | 2.00% | 2.79% | 5.09% | 2.69% |
| Q4 2023 | 5.10% | 2.31% | 3.07% | 5.58% | 2.72% |
| Q1 2024 | 4.98% | 2.32% | 2.80% | 5.38% | 2.73% |
| Q2 2024 | 5.19% | 2.45% | 2.93% | 5.81% | 2.59% |
| Q3 2024 | 5.32% | 2.57% | 2.98% | 5.79% | 2.48% |
| Q4 2024 | 5.30% | 2.64% | 3.06% | 5.88% | 2.51% |
| Q1 2025 | 5.16% | 2.37% | 3.12% | 5.80% | 2.67% |
| Q2 2025 | 5.29% | 2.20% | 3.39% | 5.89% | 2.92% |
| Q3 2025 | 5.41% | 2.15% | 3.58% | 6.01% | 3.03% |
| Q4 2025 | 5.13% | 2.06% | 3.37% | 5.69% | 3.03% |
| Q1 2026 | 5.12% | 1.92% | 3.44% | 5.83% | 3.02% |
| Q2 2026 | 5.29% | 1.85% | 3.63% | 5.95% | 3.16% |
Bank of Farmington yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Farmington, 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 Bank of Farmington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11732) · FFIEC NIC profile (RSSD 976534)