Community National Bank in Monmouth: 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.
Compared with Q1 2026, Net interest margin rose 0.22 percentage points in Q2 2026 to 4.53%, the biggest move on this page. Community National Bank in Monmouth ranks 37th of 323 Illinois banks on net interest margin, in the upper half at 4.53% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Community National Bank in Monmouth sits 0.65 points higher, at 4.53% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.85% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.53% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $605K |
| Total interest expense | $168K |
| Interest expense on deposits | $168K |
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 | 4.22% | 1.96% | 3.05% |
| Q4 2023 | 4.45% | 2.29% | 3.10% |
| Q1 2024 | 4.52% | 1.95% | 3.22% |
| Q2 2024 | 4.64% | 1.71% | 3.31% |
| Q3 2024 | 5.01% | 2.28% | 3.63% |
| Q4 2024 | 4.94% | 2.25% | 3.59% |
| Q1 2025 | 4.97% | 2.12% | 3.69% |
| Q2 2025 | 5.19% | 2.12% | 3.89% |
| Q3 2025 | 5.30% | 1.52% | 3.94% |
| Q4 2025 | 6.08% | 1.48% | 4.62% |
| Q1 2026 | 5.54% | 1.35% | 4.31% |
| Q2 2026 | 5.85% | 1.42% | 4.53% |
Community National Bank in Monmouth 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 National Bank in Monmouth, 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 National Bank in Monmouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19230) · FFIEC NIC profile (RSSD 775241)