Camp Grove State 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 2.98%. Camp Grove State Bank ranks 287th of 323 Illinois banks on net interest margin, in the lower half at 2.98% (Q2 2026). Camp Grove State Bank reported 2.98% on net interest margin for Q2 2026, 0.91 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.01% |
| Yield on loans | 7.25% |
| Yield on securities | 5.81% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.07% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $313K |
| Total interest expense | $387K |
| Interest expense on deposits | $286K |
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 | 6.07% | 3.55% | 2.53% | 7.07% | 5.95% |
| Q4 2023 | 6.01% | 3.89% | 2.34% | 7.07% | 5.78% |
| Q1 2024 | 6.10% | 3.92% | 2.36% | 7.21% | 5.99% |
| Q2 2024 | 6.35% | 4.18% | 2.53% | 7.35% | 6.10% |
| Q3 2024 | 6.34% | 4.44% | 2.45% | 7.18% | 6.39% |
| Q4 2024 | 6.46% | 4.16% | 2.85% | 7.37% | 6.25% |
| Q1 2025 | 5.93% | 3.76% | 2.62% | 6.97% | 5.96% |
| Q2 2025 | 6.20% | 4.10% | 2.88% | 7.52% | 6.02% |
| Q3 2025 | 6.19% | 4.18% | 2.82% | 7.76% | 5.93% |
| Q4 2025 | 6.05% | 4.01% | 2.92% | 7.51% | 5.85% |
| Q1 2026 | 5.67% | 3.77% | 2.79% | 6.91% | 5.51% |
| Q2 2026 | 6.01% | 4.07% | 2.98% | 7.25% | 5.81% |
Camp Grove State 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 Camp Grove State 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 Camp Grove State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10471) · FFIEC NIC profile (RSSD 302133)