Bank of Rantoul: 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 rose 6.3% to $1.2M. Within Illinois, Bank of Rantoul is 241st of 323 on net interest margin, 3.27% 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 Rantoul sits 0.68 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 7.10% |
| Yield on securities | 4.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 0.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| 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 | 4.88% | 1.46% | 3.52% | 6.27% | 3.94% |
| Q4 2023 | 5.09% | 1.78% | 3.46% | 6.44% | 4.10% |
| Q1 2024 | 5.09% | 1.81% | 3.43% | 6.51% | 4.13% |
| Q2 2024 | 5.27% | 1.91% | 3.51% | 6.70% | 4.17% |
| Q3 2024 | 5.31% | 1.83% | 3.53% | 6.77% | 4.28% |
| Q4 2024 | 5.27% | 1.99% | 3.48% | 6.80% | 4.13% |
| Q1 2025 | 5.20% | 1.84% | 3.49% | 7.02% | 4.09% |
| Q2 2025 | 5.23% | 1.98% | 3.42% | 7.11% | 4.04% |
| Q3 2025 | 5.34% | 1.93% | 3.57% | 7.14% | 4.16% |
| Q4 2025 | 5.30% | 1.98% | 3.53% | 7.07% | 4.12% |
| Q1 2026 | 5.04% | 1.96% | 3.29% | 7.00% | 4.07% |
| Q2 2026 | 5.08% | 1.97% | 3.27% | 7.10% | 4.05% |
Bank of Rantoul 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 Rantoul, 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 Rantoul profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11711) · FFIEC NIC profile (RSSD 37949)