Bank of Kampsville: 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: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.01%. Within Illinois, Bank of Kampsville is 282nd of 323 on net interest margin, 3.01% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Kampsville sits 0.94 points lower, at 3.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | 6.26% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $734K |
| Total interest expense | $377K |
| Interest expense on deposits | $377K |
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 | 3.35% | 0.66% | 2.77% | 4.98% | 2.10% |
| Q4 2023 | 3.42% | 0.78% | 2.74% | 5.04% | 2.13% |
| Q1 2024 | 3.47% | 0.85% | 2.72% | 5.13% | 2.12% |
| Q2 2024 | 3.57% | 0.95% | 2.73% | 5.33% | 2.10% |
| Q3 2024 | 3.66% | 1.03% | 2.77% | 5.60% | 2.06% |
| Q4 2024 | 3.75% | 1.15% | 2.77% | 5.71% | 2.07% |
| Q1 2025 | 3.68% | 1.21% | 2.65% | 5.64% | 2.13% |
| Q2 2025 | 3.91% | 1.27% | 2.80% | 5.83% | 2.44% |
| Q3 2025 | 3.92% | 1.33% | 2.77% | 5.67% | 2.56% |
| Q4 2025 | 4.34% | 1.40% | 3.14% | 6.64% | 2.72% |
| Q1 2026 | 4.14% | 1.37% | 2.93% | 6.13% | 2.80% |
| Q2 2026 | 4.20% | 1.37% | 3.01% | 6.26% | 2.89% |
Bank of Kampsville 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 Kampsville, 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 Kampsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11750) · FFIEC NIC profile (RSSD 487142)