Community First Bank of the Heartland: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.44 percentage points to 3.51%. Among 323 Illinois banks, Community First Bank of the Heartland sits 26th from the top on net interest margin, 4.67% as of Q2 2026. Community First Bank of the Heartland reported 4.67% on net interest margin for Q2 2026, 0.72 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 3.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $957K |
| Interest expense on deposits | $957K |
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 | 5.45% | 1.25% | 4.25% |
| Q4 2023 | 5.77% | 1.54% | 4.27% |
| Q1 2024 | 5.88% | 1.81% | 4.10% |
| Q2 2024 | 6.01% | 1.90% | 4.16% |
| Q3 2024 | 6.17% | 1.99% | 4.25% |
| Q4 2024 | 6.34% | 2.07% | 4.33% |
| Q1 2025 | 6.26% | 2.02% | 4.29% |
| Q2 2025 | 6.33% | 1.79% | 4.58% |
| Q3 2025 | 6.36% | 1.75% | 4.66% |
| Q4 2025 | 6.35% | 1.72% | 4.70% |
| Q1 2026 | 6.15% | 1.61% | 4.60% |
| Q2 2026 | 6.21% | 1.60% | 4.67% |
Community First Bank of the Heartland yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of the Heartland, 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 Community First Bank of the Heartland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)