The Bank of Herrin: 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 Total interest expense, which fell 3.4% to $1.2M. The Bank of Herrin ranks 196th of 323 Illinois banks on net interest margin, in the lower half at 3.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bank of Herrin sits 0.43 points lower, at 3.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.43% |
| Yield on securities | 1.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.45% | 1.05% | 3.52% | 5.67% | 1.82% |
| Q4 2023 | 4.63% | 1.27% | 3.44% | 5.88% | 1.88% |
| Q1 2024 | 4.73% | 1.54% | 3.35% | 6.05% | 1.80% |
| Q2 2024 | 4.86% | 1.64% | 3.39% | 6.16% | 1.82% |
| Q3 2024 | 5.00% | 1.89% | 3.35% | 6.34% | 1.76% |
| Q4 2024 | 4.97% | 1.96% | 3.36% | 6.37% | 1.75% |
| Q1 2025 | 4.68% | 1.85% | 3.22% | 6.29% | 1.51% |
| Q2 2025 | 4.78% | 1.85% | 3.31% | 6.43% | 1.53% |
| Q3 2025 | 4.96% | 1.93% | 3.44% | 6.58% | 1.67% |
| Q4 2025 | 4.90% | 1.95% | 3.38% | 6.40% | 1.68% |
| Q1 2026 | 4.89% | 1.84% | 3.43% | 6.36% | 1.68% |
| Q2 2026 | 4.94% | 1.75% | 3.52% | 6.43% | 1.79% |
The Bank of Herrin 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 Bank of Herrin, 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 Bank of Herrin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11310) · FFIEC NIC profile (RSSD 835444)