Bank of Springfield: 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.
Compared with Q1 2026, Cost of borrowings fell 0.40 percentage points in Q2 2026 to 2.83%, the biggest move on this page. Bank of Springfield ranks 58th of 323 Illinois banks on net interest margin, in the upper half at 4.30% (Q2 2026). Bank of Springfield reported 4.30% on net interest margin for Q2 2026, 0.59 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.38% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 2.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.2M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $7.9M |
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 | 5.24% | 1.50% | 3.84% | 5.61% | 2.34% |
| Q4 2023 | 5.55% | 1.71% | 3.95% | 5.93% | 2.27% |
| Q1 2024 | 5.61% | 1.92% | 3.81% | 5.97% | 2.31% |
| Q2 2024 | 5.82% | 2.04% | 3.90% | 6.15% | 2.37% |
| Q3 2024 | 5.97% | 2.25% | 3.84% | 6.35% | 2.48% |
| Q4 2024 | 5.99% | 2.19% | 3.92% | 6.35% | 2.62% |
| Q1 2025 | 5.96% | 2.02% | 4.04% | 6.24% | 3.07% |
| Q2 2025 | 6.02% | 2.11% | 4.05% | 6.33% | 3.19% |
| Q3 2025 | 6.20% | 2.24% | 4.10% | 6.65% | 3.28% |
| Q4 2025 | 6.16% | 2.11% | 4.17% | 6.58% | 3.19% |
| Q1 2026 | 5.96% | 1.95% | 4.12% | 6.34% | 3.43% |
| Q2 2026 | 6.08% | 1.92% | 4.30% | 6.38% | 3.43% |
Bank of Springfield 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 Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19506) · FFIEC NIC profile (RSSD 248240)