Bank of O'Fallon: 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.
In Q2 2026, Total interest expense edged up by 1.2%, from $1.8M to $1.8M, the largest move among the key lines here. Within Illinois, Bank of O'Fallon is 244th of 323 on net interest margin, 3.26% as of Q2 2026, below the middle of the field. Bank of O'Fallon reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 5.72% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 4.73% | 1.59% | 3.33% | 4.93% | 2.53% |
| Q4 2023 | 4.89% | 1.79% | 3.32% | 4.98% | 2.99% |
| Q1 2024 | 5.14% | 1.91% | 3.48% | 5.22% | 3.51% |
| Q2 2024 | 5.30% | 2.23% | 3.36% | 5.36% | 4.12% |
| Q3 2024 | 5.35% | 2.23% | 3.42% | 5.40% | 4.50% |
| Q4 2024 | 5.32% | 2.42% | 3.22% | 5.49% | 4.47% |
| Q1 2025 | 5.17% | 2.48% | 2.99% | 5.45% | 4.17% |
| Q2 2025 | 5.23% | 2.52% | 3.02% | 5.59% | 3.92% |
| Q3 2025 | 5.32% | 2.45% | 3.16% | 5.69% | 3.96% |
| Q4 2025 | 5.37% | 2.27% | 3.38% | 5.84% | 3.93% |
| Q1 2026 | 5.21% | 2.20% | 3.27% | 5.71% | 3.65% |
| Q2 2026 | 5.23% | 2.25% | 3.26% | 5.72% | 3.60% |
Bank of O'Fallon 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 O'Fallon, 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 O'Fallon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18171) · FFIEC NIC profile (RSSD 410748)