Burling 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.
Net interest margin fell 0.21 percentage points from Q1 2026 to Q2 2026, ending at 4.49% against 4.70%. It was the largest change among the key lines on this page. Within Illinois, Burling Bank is 43rd of 323 on net interest margin, 4.49% as of Q2 2026. Burling Bank reported 4.49% on net interest margin for Q2 2026, 0.55 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.82% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $814K |
| Interest expense on deposits | $814K |
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 | 6.15% | 2.21% | 4.19% | 6.90% | 2.05% |
| Q4 2023 | 6.22% | 2.27% | 4.23% | 7.10% | 2.06% |
| Q1 2024 | 6.30% | 2.50% | 4.11% | 7.17% | 2.02% |
| Q2 2024 | 6.41% | 2.01% | 4.62% | 7.24% | 2.27% |
| Q3 2024 | 6.45% | 1.95% | 4.84% | 7.33% | 2.20% |
| Q4 2024 | 6.42% | 1.95% | 4.74% | 7.18% | 2.26% |
| Q1 2025 | 6.31% | 1.54% | 4.88% | 6.97% | 2.38% |
| Q2 2025 | 6.48% | 1.61% | 5.15% | 7.21% | 2.44% |
| Q3 2025 | 6.47% | 1.78% | 4.92% | 7.11% | 2.51% |
| Q4 2025 | 6.45% | 1.68% | 5.06% | 7.18% | 2.62% |
| Q1 2026 | 6.18% | 1.66% | 4.70% | 7.20% | 2.69% |
| Q2 2026 | 5.88% | 1.64% | 4.49% | 6.82% | 2.84% |
Burling 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 Burling 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 Burling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27556) · FFIEC NIC profile (RSSD 1404883)