Buena Vista National Bank: 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 standout move of Q2 2026 was in Total interest expense: 10.5% higher than in Q1 2026, at $1.2M. Within Illinois, Buena Vista National Bank is 54th of 323 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. Buena Vista National Bank reported 4.33% on net interest margin for Q2 2026, 0.38 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.80% |
| Yield on loans | 6.94% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.2M |
| 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 | 4.52% | 1.11% | 3.48% | 6.13% | 1.61% |
| Q4 2023 | 4.80% | 1.32% | 3.56% | 6.30% | 1.85% |
| Q1 2024 | 4.90% | 1.53% | 3.43% | 6.38% | 1.81% |
| Q2 2024 | 5.20% | 1.63% | 3.66% | 6.73% | 1.84% |
| Q3 2024 | 5.43% | 1.72% | 3.80% | 6.87% | 2.08% |
| Q4 2024 | 5.32% | 1.65% | 3.78% | 6.96% | 1.84% |
| Q1 2025 | 5.28% | 1.63% | 3.75% | 6.76% | 2.32% |
| Q2 2025 | 5.39% | 1.65% | 3.85% | 6.83% | 2.61% |
| Q3 2025 | 5.74% | 1.64% | 4.22% | 7.11% | 2.83% |
| Q4 2025 | 5.84% | 1.56% | 4.41% | 7.12% | 2.93% |
| Q1 2026 | 5.76% | 1.47% | 4.40% | 6.98% | 2.91% |
| Q2 2026 | 5.80% | 1.58% | 4.33% | 6.94% | 2.94% |
Buena Vista National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Buena Vista National Bank, 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 Buena Vista National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10844) · FFIEC NIC profile (RSSD 621441)