Better Banks: 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, Total interest expense fell 3.9% in Q2 2026 to $1.1M, the biggest move on this page. Within Illinois, Better Banks is 117th of 323 on net interest margin, 3.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Better Banks reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 5.95% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.12% |
| Cost of interest-bearing deposits | 1.41% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.02% | 1.23% | 2.87% | 5.08% | 2.35% |
| Q4 2023 | 4.22% | 1.45% | 2.86% | 5.26% | 2.44% |
| Q1 2024 | 4.27% | 1.47% | 2.88% | 5.27% | 2.60% |
| Q2 2024 | 4.45% | 1.48% | 3.06% | 5.50% | 2.61% |
| Q3 2024 | 4.48% | 1.54% | 3.04% | 5.56% | 2.57% |
| Q4 2024 | 4.57% | 1.51% | 3.17% | 5.64% | 2.43% |
| Q1 2025 | 4.48% | 1.38% | 3.20% | 5.59% | 2.33% |
| Q2 2025 | 4.64% | 1.36% | 3.39% | 5.78% | 2.18% |
| Q3 2025 | 4.83% | 1.31% | 3.61% | 5.94% | 2.49% |
| Q4 2025 | 4.92% | 1.27% | 3.75% | 5.96% | 2.62% |
| Q1 2026 | 4.99% | 1.20% | 3.88% | 6.00% | 2.76% |
| Q2 2026 | 4.98% | 1.12% | 3.93% | 5.95% | 2.76% |
Better Banks yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Better Banks, 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 Better Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1808) · FFIEC NIC profile (RSSD 851631)