Bankorion: 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, Total interest expense edged up by 1.2%, from $2.4M to $2.4M, the largest move among the key lines here. Bankorion ranks 228th of 323 Illinois banks on net interest margin, in the lower half at 3.34% (Q2 2026). Bankorion reported 3.34% on net interest margin for Q2 2026, 0.60 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 6.00% |
| Yield on securities | 2.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.0M |
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 | 3.79% | 1.25% | 2.49% | 4.95% | 1.97% |
| Q4 2023 | 3.93% | 1.40% | 2.46% | 5.16% | 2.00% |
| Q1 2024 | 4.06% | 1.85% | 2.39% | 5.30% | 2.03% |
| Q2 2024 | 4.19% | 1.85% | 2.51% | 5.47% | 1.99% |
| Q3 2024 | 4.35% | 1.88% | 2.61% | 5.72% | 1.97% |
| Q4 2024 | 4.41% | 1.86% | 2.72% | 5.77% | 1.99% |
| Q1 2025 | 4.47% | 1.69% | 2.92% | 5.78% | 2.01% |
| Q2 2025 | 4.82% | 1.65% | 3.32% | 6.26% | 1.98% |
| Q3 2025 | 4.71% | 1.69% | 3.17% | 6.04% | 2.01% |
| Q4 2025 | 4.77% | 1.66% | 3.28% | 6.07% | 2.07% |
| Q1 2026 | 4.73% | 1.61% | 3.29% | 5.95% | 2.10% |
| Q2 2026 | 4.78% | 1.62% | 3.34% | 6.00% | 2.11% |
Bankorion yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankorion, 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 Bankorion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11739) · FFIEC NIC profile (RSSD 855741)