Campus State Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
On its Q3 2026 filing, Campus State Bank reported 11 of the 12 line items on this page. It did not report cost of borrowings. Yield on earning assets was 5.32% in Q3 2026, down 0.17 percentage points from 5.49% in Q3 2025. Across the 12 quarters shown it ranged from 4.35% (Q4 2023) to 5.73% (Q1 2026).
Yield on securities rose 0.69 percentage points from Q2 2026 to Q3 2026, ending at 4.94% against 4.25%. It was the largest change among the key lines on this page. Among 318 Illinois banks, Campus State Bank sits 25th from the top on net interest margin, 4.90% as of Q3 2026. The median for banks in the < $100M asset tier is 3.95% on net interest margin. Campus State Bank sits 0.95 points higher, at 4.90% (Q3 2026).
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 7.03% |
| Yield on securities | 4.94% |
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Funding costs
Cost of interest-bearing deposits moved most in this table, down 0.02 points: 0.72% in Q2 2026, 0.70% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.48% |
| Cost of interest-bearing deposits | 0.70% |
| Cost of interest-bearing liabilities | 0.70% |
| Cost of borrowings | — |
Spread and margin
Net interest margin moved most in this table, up 0.32 points: 4.58% in Q2 2026, 4.90% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.90% |
| Yield to cost spread | 4.62% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $239K |
| Total interest expense | $27K |
| Interest expense on deposits | $27K |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 4.35% | 0.31% | 4.07% | 5.82% | 0.96% |
| Q1 2024 | 4.38% | 0.40% | 4.05% | 5.64% | 2.69% |
| Q2 2024 | 5.53% | 0.45% | 5.09% | 5.77% | 2.99% |
| Q3 2024 | 5.18% | 0.53% | 4.71% | 6.05% | 4.09% |
| Q4 2024 | 5.41% | 0.53% | 4.94% | 6.27% | 4.43% |
| Q1 2025 | 5.66% | 0.55% | 5.14% | 6.03% | 4.29% |
| Q2 2025 | 5.38% | 0.57% | 4.88% | 6.46% | 4.02% |
| Q3 2025 | 5.49% | 0.58% | 4.98% | 6.42% | 4.40% |
| Q4 2025 | 5.60% | 0.54% | 5.12% | 6.89% | 4.18% |
| Q1 2026 | 5.73% | 0.48% | 5.30% | 7.49% | 3.80% |
| Q2 2026 | 5.00% | 0.49% | 4.58% | 6.57% | 4.25% |
| Q3 2026 | 5.32% | 0.48% | 4.90% | 7.03% | 4.94% |
Campus State Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Campus State Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 10840) · FFIEC NIC profile (RSSD 424437)