Bank of Yates City: 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 Q2 2026 and Q3 2026 was in Yield on securities, which rose 0.41 percentage points to 3.73%. Within Illinois, Bank of Yates City is 147th of 323 on net interest margin, 3.78% as of Q3 2026, above the middle of the field. At 3.78%, Bank of Yates City's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 5.76% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.72% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $846K |
| Total interest expense | $285K |
| Interest expense on deposits | $285K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.80% | 1.50% | 3.44% | 5.44% | 2.03% |
| Q1 2024 | 4.89% | 1.56% | 3.44% | 5.45% | 2.15% |
| Q2 2024 | 5.20% | 1.55% | 3.75% | 5.81% | 2.14% |
| Q3 2024 | 5.18% | 1.62% | 3.64% | 5.77% | 2.15% |
| Q4 2024 | 5.20% | 1.67% | 3.61% | 5.79% | 2.13% |
| Q1 2025 | 5.02% | 1.64% | 3.45% | 5.68% | 2.24% |
| Q2 2025 | 5.12% | 1.64% | 3.57% | 5.79% | 2.96% |
| Q3 2025 | 5.29% | 1.58% | 3.80% | 5.97% | 3.18% |
| Q4 2025 | 5.32% | 1.45% | 3.96% | 6.04% | 3.17% |
| Q1 2026 | 5.15% | 1.34% | 3.89% | 5.87% | 3.27% |
| Q2 2026 | 5.25% | 1.40% | 3.96% | 6.09% | 3.32% |
| Q3 2026 | 5.11% | 1.47% | 3.78% | 5.76% | 3.73% |
Bank of Yates City 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 Yates City, 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 Yates City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11715) · FFIEC NIC profile (RSSD 371849)