Farmers and Merchants State Bank of Bushnell: 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 0.20 percentage points in Q2 2026 to 3.91%, the biggest move on this page. Within Illinois, Farmers and Merchants State Bank of Bushnell is 120th of 323 on net interest margin, 3.91% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Farmers and Merchants State Bank of Bushnell reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.42% |
| Yield on loans | 5.88% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.55% |
| Cost of interest-bearing deposits | 0.74% |
| Cost of interest-bearing liabilities | 0.74% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $569K |
| Total interest expense | $109K |
| Interest expense on deposits | $109K |
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 | 3.45% | 0.23% | 3.23% | 4.96% | 1.51% |
| Q4 2023 | 3.65% | 0.25% | 3.40% | 5.05% | 1.50% |
| Q1 2024 | 3.71% | 0.39% | 3.33% | 5.11% | 1.76% |
| Q2 2024 | 3.82% | 0.46% | 3.39% | 5.38% | 1.93% |
| Q3 2024 | 3.90% | 0.54% | 3.40% | 5.59% | 1.95% |
| Q4 2024 | 4.07% | 0.56% | 3.54% | 5.64% | 1.95% |
| Q1 2025 | 3.94% | 0.57% | 3.40% | 5.50% | 1.87% |
| Q2 2025 | 4.15% | 0.54% | 3.65% | 5.73% | 2.23% |
| Q3 2025 | 4.27% | 0.54% | 3.78% | 5.91% | 2.42% |
| Q4 2025 | 4.31% | 0.53% | 3.80% | 5.90% | 2.43% |
| Q1 2026 | 4.20% | 0.52% | 3.71% | 5.77% | 2.54% |
| Q2 2026 | 4.42% | 0.55% | 3.91% | 5.88% | 2.88% |
Farmers and Merchants State Bank of Bushnell yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants State Bank of Bushnell, 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 Farmers and Merchants State Bank of Bushnell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11324) · FFIEC NIC profile (RSSD 321330)