Central Federal Savings and Loan Association: 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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 2.67% to 2.74%, the largest move among the key lines here. On net interest margin, Central Federal Savings and Loan Association is 19th from the bottom among 323 Illinois banks, 2.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Central Federal Savings and Loan Association sits 1.21 points lower, at 2.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.74% |
| Yield to cost spread | 2.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $872K |
| Interest expense on deposits | $837K |
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 |
|---|---|---|---|
| Q3 2023 | 4.19% | 1.44% | 2.84% |
| Q4 2023 | 4.54% | 1.92% | 2.73% |
| Q1 2024 | 4.52% | 2.12% | 2.53% |
| Q2 2024 | 4.50% | 2.27% | 2.41% |
| Q3 2024 | 4.59% | 2.38% | 2.37% |
| Q4 2024 | 4.57% | 2.37% | 2.36% |
| Q1 2025 | 4.54% | 2.35% | 2.42% |
| Q2 2025 | 4.51% | 2.21% | 2.48% |
| Q3 2025 | 4.74% | 2.22% | 2.68% |
| Q4 2025 | 4.71% | 2.12% | 2.75% |
| Q1 2026 | 4.55% | 2.05% | 2.67% |
| Q2 2026 | 4.59% | 2.01% | 2.74% |
Central Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Federal Savings and Loan Association, 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 Central Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28425) · FFIEC NIC profile (RSSD 467470)