Bankchampaign, N.A.: 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 0.32 percentage points in Q2 2026 to 2.05%, the biggest move on this page. Bankchampaign, N.A. ranks 46th of 323 Illinois banks on net interest margin, in the upper half at 4.46% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bankchampaign, N.A. sits 0.51 points higher, at 4.46% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 6.71% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | 2.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.46% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $954K |
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 | 5.07% | 1.06% | 4.25% | 5.45% | 2.23% |
| Q4 2023 | 5.38% | 1.43% | 4.11% | 5.80% | 2.25% |
| Q1 2024 | 5.39% | 1.71% | 3.87% | 5.82% | 2.30% |
| Q2 2024 | 5.58% | 1.88% | 3.89% | 5.93% | 2.38% |
| Q3 2024 | 5.71% | 2.03% | 3.92% | 6.13% | 2.60% |
| Q4 2024 | 5.84% | 1.88% | 4.10% | 6.18% | 2.80% |
| Q1 2025 | 5.89% | 1.86% | 4.16% | 6.26% | 3.05% |
| Q2 2025 | 6.13% | 1.98% | 4.38% | 6.45% | 3.22% |
| Q3 2025 | 6.20% | 2.05% | 4.36% | 6.56% | 3.26% |
| Q4 2025 | 6.62% | 2.02% | 4.73% | 6.69% | 6.62% |
| Q1 2026 | 6.08% | 1.93% | 4.36% | 6.63% | 3.22% |
| Q2 2026 | 6.13% | 1.87% | 4.46% | 6.71% | 3.25% |
Bankchampaign, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22434) · FFIEC NIC profile (RSSD 436739)