Community Partners Savings 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 0.15 percentage points, from 6.73% to 6.88%, the largest move among the key lines here. Community Partners Savings Bank ranks 223rd of 323 Illinois banks on net interest margin, in the lower half at 3.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community Partners Savings Bank sits 0.59 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.96% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 3.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $998K |
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 | 4.10% | 1.74% | 2.60% |
| Q4 2023 | 4.37% | 2.04% | 2.60% |
| Q1 2024 | 4.49% | 2.14% | 2.60% |
| Q2 2024 | 4.61% | 2.30% | 2.61% |
| Q3 2024 | 4.76% | 2.41% | 2.67% |
| Q4 2024 | 4.42% | 2.36% | 2.52% |
| Q1 2025 | 4.83% | 1.84% | 2.96% |
| Q2 2025 | 4.92% | 1.92% | 2.98% |
| Q3 2025 | 4.99% | 1.92% | 3.04% |
| Q4 2025 | 5.06% | 1.87% | 3.15% |
| Q1 2026 | 5.09% | 1.76% | 3.29% |
| Q2 2026 | 5.13% | 1.75% | 3.36% |
Community Partners Savings 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 Community Partners Savings 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 Community Partners Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30819) · FFIEC NIC profile (RSSD 441078)