Du Quoin State 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.20 percentage points between Q1 2026 and Q2 2026, to 3.48%. Du Quoin State Bank ranks 244th of 323 Illinois banks on net interest margin, in the lower half at 3.26% (Q2 2026). Du Quoin State Bank reported 3.26% on net interest margin for Q2 2026, 0.69 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 7.54% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 2.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $896K |
| Total interest expense | $573K |
| Interest expense on deposits | $541K |
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 | 4.64% | 1.04% | 3.69% | 7.23% | 3.27% |
| Q4 2023 | 4.59% | 1.15% | 3.53% | 7.44% | 3.07% |
| Q1 2024 | 4.64% | 1.23% | 3.51% | 7.50% | 3.17% |
| Q2 2024 | 4.60% | 1.31% | 3.39% | 7.48% | 3.18% |
| Q3 2024 | 4.78% | 1.51% | 3.40% | 7.75% | 3.28% |
| Q4 2024 | 4.85% | 1.59% | 3.41% | 7.89% | 3.34% |
| Q1 2025 | 4.50% | 1.56% | 3.09% | 7.71% | 3.18% |
| Q2 2025 | 4.79% | 1.63% | 3.31% | 7.85% | 3.27% |
| Q3 2025 | 4.70% | 1.67% | 3.20% | 7.71% | 3.28% |
| Q4 2025 | 4.68% | 1.70% | 3.14% | 7.69% | 3.04% |
| Q1 2026 | 4.70% | 1.63% | 3.22% | 7.66% | 3.28% |
| Q2 2026 | 4.77% | 1.64% | 3.26% | 7.54% | 3.48% |
Du Quoin State 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 Du Quoin State 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 Du Quoin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10804) · FFIEC NIC profile (RSSD 823142)