Eagle Valley 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 climbed 1.19 percentage points in Q2 2026, from 4.00% to 5.19%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Eagle Valley Bank is 34th of 323 on net interest margin, 4.56% as of Q2 2026. Eagle Valley Bank reported 4.56% on net interest margin for Q2 2026, 0.62 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.68% |
| Yield on loans | 7.18% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 3.09% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 5.19% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.3M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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% | 0.67% | 3.80% | 4.90% | 3.31% |
| Q4 2023 | 4.40% | 0.93% | 3.58% | 4.77% | 3.48% |
| Q1 2024 | 4.56% | 1.13% | 3.55% | 5.02% | 3.56% |
| Q2 2024 | 4.56% | 1.19% | 3.52% | 5.05% | 3.56% |
| Q3 2024 | 4.57% | 1.20% | 3.52% | 5.21% | 3.25% |
| Q4 2024 | 4.55% | 1.42% | 3.25% | 5.06% | 3.41% |
| Q1 2025 | 4.35% | 1.57% | 2.92% | 4.89% | 3.32% |
| Q2 2025 | 3.14% | 0.64% | 2.08% | 3.26% | 2.49% |
| Q3 2025 | 6.86% | 2.36% | 4.68% | 7.27% | 3.97% |
| Q4 2025 | 7.35% | 2.33% | 5.21% | 8.08% | 3.75% |
| Q1 2026 | 6.71% | 2.11% | 4.66% | 7.34% | 3.57% |
| Q2 2026 | 6.68% | 2.11% | 4.56% | 7.18% | 3.49% |
Eagle Valley 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 Eagle Valley 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 Eagle Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10883) · FFIEC NIC profile (RSSD 695947)