Eureka 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 3.39%, the biggest move on this page. Eureka Savings Bank ranks 221st of 323 Illinois banks on net interest margin, in the lower half at 3.39% (Q2 2026). Eureka Savings Bank reported 3.39% on net interest margin for Q2 2026, 0.56 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.61% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 3.77% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.4M |
| 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 | 3.80% | 1.14% | 2.89% | 4.30% | 2.93% |
| Q4 2023 | 4.12% | 1.39% | 3.02% | 4.95% | 2.70% |
| Q1 2024 | 3.94% | 1.49% | 2.77% | 4.61% | 2.78% |
| Q2 2024 | 4.12% | 1.58% | 2.88% | 4.80% | 2.79% |
| Q3 2024 | 4.24% | 1.72% | 2.88% | 5.04% | 2.81% |
| Q4 2024 | 4.38% | 1.81% | 2.95% | 5.24% | 2.83% |
| Q1 2025 | 4.23% | 1.70% | 2.88% | 5.07% | 2.83% |
| Q2 2025 | 4.45% | 1.71% | 3.10% | 5.30% | 2.83% |
| Q3 2025 | 4.42% | 1.73% | 3.06% | 5.29% | 2.87% |
| Q4 2025 | 4.58% | 1.73% | 3.22% | 5.52% | 2.87% |
| Q1 2026 | 4.52% | 1.60% | 3.25% | 5.44% | 2.93% |
| Q2 2026 | 4.67% | 1.62% | 3.39% | 5.61% | 2.94% |
Eureka 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 Eureka 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 Eureka Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28401) · FFIEC NIC profile (RSSD 587677)