Fairview State Banking Company: 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.
In Q2 2026, Yield to cost spread edged up by 0.19 percentage points, from 3.87% to 4.05%, the largest move among the key lines here. Within Illinois, Fairview State Banking Company is 61st of 323 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. Fairview State Banking Company reported 4.29% on net interest margin for Q2 2026, 0.40 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $380K |
| Total interest expense | $102K |
| Interest expense on deposits | $102K |
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 | 4.97% | 0.98% | 4.03% |
| Q4 2023 | 5.07% | 1.04% | 4.11% |
| Q1 2024 | 5.29% | 1.25% | 4.05% |
| Q2 2024 | 5.36% | 1.41% | 3.99% |
| Q3 2024 | 5.56% | 1.55% | 4.08% |
| Q4 2024 | 5.48% | 1.41% | 4.14% |
| Q1 2025 | 5.76% | 1.43% | 4.36% |
| Q2 2025 | 8.48% | 1.38% | 7.19% |
| Q3 2025 | 5.55% | 1.30% | 4.32% |
| Q4 2025 | 5.51% | 1.23% | 4.32% |
| Q1 2026 | 5.36% | 1.22% | 4.22% |
| Q2 2026 | 5.40% | 1.19% | 4.29% |
Fairview State Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairview State Banking Company, 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 Fairview State Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11731) · FFIEC NIC profile (RSSD 601032)