Dewitt 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.
Cost of borrowings dropped 5.47 percentage points in Q2 2026, from 6.03% to 0.56%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Dewitt Savings Bank is 241st of 323 on net interest margin, 3.27% 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. Dewitt Savings Bank sits 0.68 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 6.37% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 0.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $834K |
| Interest expense on deposits | $827K |
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 | 4.22% | 1.81% | 2.52% | 4.84% | 2.54% |
| Q4 2023 | 4.40% | 2.03% | 2.47% | 5.16% | 2.61% |
| Q1 2024 | 4.24% | 2.12% | 2.30% | 4.81% | 2.30% |
| Q2 2024 | 4.82% | 2.28% | 2.63% | 5.73% | 2.32% |
| Q3 2024 | 4.73% | 2.63% | 2.30% | 5.90% | 2.34% |
| Q4 2024 | 5.10% | 2.59% | 2.78% | 5.83% | 2.29% |
| Q1 2025 | 4.76% | 2.07% | 2.88% | 5.87% | 2.17% |
| Q2 2025 | 4.84% | 2.08% | 2.80% | 5.75% | 2.91% |
| Q3 2025 | 5.00% | 2.37% | 2.68% | 5.80% | 3.29% |
| Q4 2025 | 5.25% | 2.33% | 2.95% | 6.24% | 3.66% |
| Q1 2026 | 5.05% | 2.38% | 2.80% | 6.18% | 3.38% |
| Q2 2026 | 5.30% | 2.15% | 3.27% | 6.37% | 3.34% |
Dewitt 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 Dewitt 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 Dewitt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29535) · FFIEC NIC profile (RSSD 324975)