Bank of Stronghurst: 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, Yield on loans edged up by 0.07 percentage points, from 5.83% to 5.90%, the largest move among the key lines here. On net interest margin, Bank of Stronghurst is 21st from the bottom among 323 Illinois banks, 2.79% (Q2 2026). Bank of Stronghurst reported 2.79% on net interest margin for Q2 2026, 1.10 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.13% |
| Yield on loans | 5.90% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.79% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $588K |
| Total interest expense | $296K |
| Interest expense on deposits | $296K |
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 | 3.50% | 1.24% | 2.40% | 5.20% | 2.21% |
| Q4 2023 | 3.64% | 1.52% | 2.35% | 5.27% | 2.38% |
| Q1 2024 | 3.54% | 1.61% | 2.18% | 5.32% | 2.15% |
| Q2 2024 | 3.65% | 1.79% | 2.15% | 5.52% | 2.12% |
| Q3 2024 | 3.78% | 1.82% | 2.25% | 5.74% | 2.13% |
| Q4 2024 | 4.21% | 1.83% | 2.66% | 5.83% | 2.82% |
| Q1 2025 | 3.87% | 1.75% | 2.36% | 5.72% | 2.30% |
| Q2 2025 | 4.05% | 1.66% | 2.61% | 5.90% | 2.38% |
| Q3 2025 | 4.25% | 1.49% | 2.93% | 6.10% | 2.48% |
| Q4 2025 | 4.31% | 1.61% | 2.91% | 6.12% | 2.52% |
| Q1 2026 | 4.11% | 1.52% | 2.77% | 5.83% | 2.50% |
| Q2 2026 | 4.13% | 1.53% | 2.79% | 5.90% | 2.49% |
Bank of Stronghurst 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 Stronghurst, 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 Stronghurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16413) · FFIEC NIC profile (RSSD 593940)