Chester National 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.
In Q2 2026, Yield on loans edged up by 0.08 percentage points, from 5.29% to 5.37%, the largest move among the key lines here. Chester National Bank ranks 271st of 323 Illinois banks on net interest margin, in the lower half at 3.12% (Q2 2026). Chester National Bank reported 3.12% on net interest margin for Q2 2026, 0.83 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 5.37% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $803K |
| Total interest expense | $386K |
| Interest expense on deposits | $386K |
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 | 4.18% | 0.95% | 3.14% | 4.58% | 0.53% |
| Q4 2023 | 4.32% | 0.99% | 3.21% | 4.68% | 0.61% |
| Q1 2024 | 4.32% | 0.92% | 3.19% | 4.69% | 0.55% |
| Q2 2024 | 4.54% | 1.18% | 3.39% | 4.86% | 0.66% |
| Q3 2024 | 4.71% | 1.44% | 3.27% | 4.95% | 0.63% |
| Q4 2024 | 4.62% | 1.25% | 3.14% | 5.05% | 0.65% |
| Q1 2025 | 4.56% | 1.29% | 3.05% | 5.05% | 0.74% |
| Q2 2025 | 4.87% | 1.61% | 3.29% | 5.27% | 1.06% |
| Q3 2025 | 4.75% | 1.69% | 3.13% | 5.23% | 0.00% |
| Q4 2025 | 4.61% | 1.56% | 3.18% | 5.30% | 3.17% |
| Q1 2026 | 4.49% | 1.38% | 3.16% | 5.29% | 4.00% |
| Q2 2026 | 4.47% | 1.40% | 3.12% | 5.37% | 4.00% |
Chester National 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 Chester National 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 Chester National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30220) · FFIEC NIC profile (RSSD 231279)