Dieterich 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.
Total interest expense fell 3.3% from Q1 2026 to Q2 2026, ending at $6.2M against $6.4M. It was the largest change among the key lines on this page. Dieterich Bank ranks 202nd of 323 Illinois banks on net interest margin, in the lower half at 3.49% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Dieterich Bank sits 0.22 points lower, at 3.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.05% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.49% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.7M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $5.6M |
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 | 4.27% | 1.47% | 2.90% | 5.17% | 2.61% |
| Q4 2023 | 4.44% | 1.84% | 2.72% | 5.32% | 2.66% |
| Q1 2024 | 4.44% | 1.96% | 2.59% | 5.32% | 2.71% |
| Q2 2024 | 4.58% | 1.85% | 2.76% | 5.48% | 2.73% |
| Q3 2024 | 4.76% | 2.09% | 2.66% | 5.65% | 2.78% |
| Q4 2024 | 4.78% | 2.11% | 2.77% | 5.69% | 2.82% |
| Q1 2025 | 4.72% | 1.95% | 2.88% | 5.68% | 2.76% |
| Q2 2025 | 4.88% | 1.92% | 3.08% | 5.78% | 2.87% |
| Q3 2025 | 5.10% | 1.99% | 3.20% | 6.02% | 2.92% |
| Q4 2025 | 5.22% | 1.94% | 3.37% | 6.13% | 2.80% |
| Q1 2026 | 5.12% | 1.81% | 3.40% | 6.04% | 2.83% |
| Q2 2026 | 5.19% | 1.78% | 3.49% | 6.05% | 2.85% |
Dieterich 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 Dieterich 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 Dieterich Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3787) · FFIEC NIC profile (RSSD 771140)