Central 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.
Net interest margin dropped 1.15 percentage points in Q2 2026, from 5.33% to 4.18%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Central State Bank is 73rd of 323 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. Central State Bank reported 4.18% on net interest margin for Q2 2026, 0.23 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $780K |
| Interest expense on deposits | $780K |
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 | 5.94% | 1.77% | 4.42% |
| Q4 2023 | 6.01% | 2.19% | 4.14% |
| Q1 2024 | 6.23% | 2.33% | 4.24% |
| Q2 2024 | 6.16% | 2.51% | 4.02% |
| Q3 2024 | 6.34% | 2.48% | 4.09% |
| Q4 2024 | 6.56% | 2.34% | 4.30% |
| Q1 2025 | 5.93% | 2.37% | 3.76% |
| Q2 2025 | 6.15% | 2.45% | 4.08% |
| Q3 2025 | 6.24% | 2.49% | 4.15% |
| Q4 2025 | 6.05% | 2.41% | 4.03% |
| Q1 2026 | 7.20% | 2.25% | 5.33% |
| Q2 2026 | 5.96% | 2.15% | 4.18% |
Central 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 Central 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 Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8487) · FFIEC NIC profile (RSSD 152440)