Bank of Pontiac: 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 Net interest margin, which rose 0.16 percentage points to 4.12%. Within Illinois, Bank of Pontiac is 86th of 323 on net interest margin, 4.12% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Pontiac sits 0.41 points higher, at 4.12% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.72% |
| Yield on loans | 6.49% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 1.95% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 2.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.1M |
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 | 4.91% | 1.13% | 3.65% | 5.50% | 2.72% |
| Q4 2023 | 5.11% | 1.38% | 3.54% | 5.73% | 2.75% |
| Q1 2024 | 5.21% | 1.60% | 3.37% | 5.82% | 2.78% |
| Q2 2024 | 5.54% | 1.66% | 3.62% | 6.16% | 2.73% |
| Q3 2024 | 5.52% | 1.64% | 3.59% | 6.25% | 2.73% |
| Q4 2024 | 5.58% | 1.70% | 3.56% | 6.29% | 2.73% |
| Q1 2025 | 5.44% | 1.59% | 3.59% | 6.24% | 2.80% |
| Q2 2025 | 5.66% | 1.55% | 3.87% | 6.38% | 2.81% |
| Q3 2025 | 5.77% | 1.48% | 4.05% | 6.56% | 2.88% |
| Q4 2025 | 5.83% | 1.58% | 4.15% | 6.57% | 2.96% |
| Q1 2026 | 5.55% | 1.67% | 3.96% | 6.41% | 2.98% |
| Q2 2026 | 5.72% | 1.68% | 4.12% | 6.49% | 3.01% |
Bank of Pontiac 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 Pontiac, 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 Pontiac profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16982) · FFIEC NIC profile (RSSD 930442)