Community State Bank of Rock Falls: 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 0.20 percentage points in Q2 2026 to 3.66%, the biggest move on this page. Within Illinois, Community State Bank of Rock Falls is 166th of 323 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Community State Bank of Rock Falls sits 0.29 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.00% |
| Yield on loans | 6.17% |
| Yield on securities | 2.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | 3.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| 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 | 4.43% | 1.34% | 3.18% | 5.70% | 1.87% |
| Q4 2023 | 4.52% | 1.63% | 3.01% | 5.82% | 1.90% |
| Q1 2024 | 4.62% | 1.69% | 2.92% | 5.98% | 1.89% |
| Q2 2024 | 4.52% | 1.76% | 2.75% | 5.62% | 1.91% |
| Q3 2024 | 4.68% | 1.95% | 2.87% | 5.91% | 1.99% |
| Q4 2024 | 4.73% | 1.92% | 2.94% | 6.00% | 2.01% |
| Q1 2025 | 4.66% | 1.70% | 3.07% | 5.90% | 2.01% |
| Q2 2025 | 4.74% | 1.61% | 3.24% | 5.93% | 2.01% |
| Q3 2025 | 4.96% | 1.64% | 3.44% | 6.25% | 1.98% |
| Q4 2025 | 4.90% | 1.60% | 3.42% | 6.12% | 1.98% |
| Q1 2026 | 4.85% | 1.49% | 3.46% | 6.06% | 2.02% |
| Q2 2026 | 5.00% | 1.46% | 3.66% | 6.17% | 2.06% |
Community State Bank of Rock Falls 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 State Bank of Rock Falls, 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 State Bank of Rock Falls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21988) · FFIEC NIC profile (RSSD 875048)