Chesterfield 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 standout move of Q2 2026 was in Net interest margin: 0.76 percentage points higher than in Q1 2026, at 3.65%. Chesterfield State Bank ranks 170th of 323 Illinois banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Chesterfield State Bank sits 0.24 points lower, at 3.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 5.97% |
| Yield on securities | 1.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $212K |
| Total interest expense | $79K |
| Interest expense on deposits | $79K |
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 | 5.05% | 1.25% | 3.80% | 5.12% | 4.28% |
| Q4 2023 | 4.77% | 1.69% | 3.13% | 5.40% | 3.46% |
| Q1 2024 | 5.18% | 1.82% | 3.40% | 5.20% | 3.28% |
| Q2 2024 | 4.84% | 2.17% | 2.79% | 5.26% | 2.97% |
| Q3 2024 | 5.53% | 2.29% | 3.40% | 5.50% | 2.55% |
| Q4 2024 | 5.23% | 2.41% | 3.04% | 5.58% | 1.67% |
| Q1 2025 | 5.08% | 2.17% | 3.07% | 5.54% | 2.28% |
| Q2 2025 | 5.09% | 1.88% | 3.33% | 5.53% | 1.79% |
| Q3 2025 | 5.23% | 1.85% | 3.53% | 5.75% | 1.84% |
| Q4 2025 | 3.95% | 1.71% | 2.40% | 4.09% | 1.85% |
| Q1 2026 | 4.43% | 1.66% | 2.89% | 4.87% | 1.93% |
| Q2 2026 | 5.09% | 1.54% | 3.65% | 5.97% | 1.98% |
Chesterfield 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 Chesterfield 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 Chesterfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10872) · FFIEC NIC profile (RSSD 767246)