The Fairfield National 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: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 2.60%. The Fairfield National Bank has the 10th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.60% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Fairfield National Bank sits 1.35 points lower, at 2.60% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 2.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $1.9M |
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 |
|---|---|---|---|
| Q3 2023 | 4.17% | 2.00% | 2.32% |
| Q4 2023 | 3.84% | 2.21% | 1.79% |
| Q1 2024 | 4.41% | 2.29% | 2.30% |
| Q2 2024 | 4.43% | 2.42% | 2.19% |
| Q3 2024 | 4.54% | 2.52% | 2.21% |
| Q4 2024 | 4.54% | 2.39% | 2.28% |
| Q1 2025 | 4.44% | 2.36% | 2.09% |
| Q2 2025 | 4.42% | 2.39% | 2.13% |
| Q3 2025 | 4.58% | 2.33% | 2.35% |
| Q4 2025 | 4.78% | 2.27% | 2.56% |
| Q1 2026 | 4.53% | 2.15% | 2.55% |
| Q2 2026 | 4.60% | 2.17% | 2.60% |
The Fairfield National 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 The Fairfield National 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 The Fairfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3792) · FFIEC NIC profile (RSSD 640246)