The Clay City Banking Co.: 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 securities edged up by 0.21 percentage points, from 2.99% to 3.20%, the largest move among the key lines here. The Clay City Banking Co. ranks 128th of 323 Illinois banks on net interest margin, in the upper half at 3.87% (Q2 2026). At 3.87%, The Clay City Banking Co.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.73% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.71% | 1.88% | 2.92% | 5.56% | 2.14% |
| Q4 2023 | 4.79% | 2.11% | 2.84% | 5.81% | 2.18% |
| Q1 2024 | 5.07% | 2.19% | 2.98% | 5.98% | 2.34% |
| Q2 2024 | 5.19% | 2.30% | 3.01% | 6.09% | 2.51% |
| Q3 2024 | 5.37% | 2.34% | 3.16% | 6.32% | 2.60% |
| Q4 2024 | 5.42% | 2.26% | 3.26% | 6.40% | 2.71% |
| Q1 2025 | 5.33% | 2.06% | 3.36% | 6.34% | 2.71% |
| Q2 2025 | 5.47% | 2.07% | 3.52% | 6.50% | 2.87% |
| Q3 2025 | 5.63% | 2.10% | 3.65% | 6.65% | 2.98% |
| Q4 2025 | 5.84% | 2.02% | 3.92% | 6.99% | 2.94% |
| Q1 2026 | 5.63% | 1.85% | 3.86% | 6.78% | 2.99% |
| Q2 2026 | 5.59% | 1.82% | 3.87% | 6.73% | 3.20% |
The Clay City Banking Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Clay City Banking Co., 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 The Clay City Banking Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10845) · FFIEC NIC profile (RSSD 623548)