Dewey 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.
The standout move of Q2 2026 was in Cost of borrowings: 2.72 percentage points higher than in Q1 2026, at 2.72%. On net interest margin, Dewey Bank ranks 10th highest among the 323 banks headquartered in Illinois, at 5.14% (Q2 2026). Dewey Bank reported 5.14% on net interest margin for Q2 2026, 1.26 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.99% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | 2.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.14% |
| Yield to cost spread | 4.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $387K |
| Total interest expense | $79K |
| Interest expense on deposits | $76K |
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 | 4.94% | 0.73% | 4.22% | 5.31% | 3.72% |
| Q4 2023 | 5.35% | 0.85% | 4.51% | 5.87% | 3.64% |
| Q1 2024 | 5.46% | 1.12% | 4.39% | 6.05% | 3.80% |
| Q2 2024 | 5.73% | 1.13% | 4.66% | 6.44% | 3.68% |
| Q3 2024 | 5.97% | 1.72% | 4.36% | 6.67% | 3.83% |
| Q4 2024 | 5.95% | 1.22% | 4.80% | 6.70% | 3.76% |
| Q1 2025 | 5.76% | 1.15% | 4.65% | 6.47% | 3.90% |
| Q2 2025 | 5.99% | 1.35% | 4.73% | 6.73% | 3.85% |
| Q3 2025 | 6.20% | 1.35% | 4.95% | 6.92% | 3.85% |
| Q4 2025 | 6.18% | 1.32% | 4.97% | 7.19% | 3.90% |
| Q1 2026 | 6.16% | 1.24% | 4.99% | 6.97% | 3.82% |
| Q2 2026 | 6.24% | 1.20% | 5.14% | 6.99% | 3.82% |
Dewey 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 Dewey 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 Dewey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10803) · FFIEC NIC profile (RSSD 846132)