Farmers & Merchants Bank of Hutsonville: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.16 percentage points to 3.74%. Farmers & Merchants Bank of Hutsonville ranks 153rd of 323 Illinois banks on net interest margin, in the upper half at 3.74% (Q2 2026). Farmers & Merchants Bank of Hutsonville reported 3.74% on net interest margin for Q2 2026, 0.15 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.40% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $588K |
| Total interest expense | $227K |
| Interest expense on deposits | $227K |
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 | 4.12% | 1.25% | 3.01% | 5.12% | 1.85% |
| Q4 2023 | 4.55% | 1.52% | 3.22% | 5.32% | 2.10% |
| Q1 2024 | 4.88% | 1.88% | 3.22% | 5.51% | 2.24% |
| Q2 2024 | 4.92% | 2.21% | 2.99% | 5.65% | 2.24% |
| Q3 2024 | 5.29% | 2.40% | 3.20% | 5.98% | 2.31% |
| Q4 2024 | 5.22% | 2.30% | 3.22% | 5.97% | 2.11% |
| Q1 2025 | 5.29% | 2.19% | 3.36% | 5.97% | 2.53% |
| Q2 2025 | 5.53% | 2.13% | 3.69% | 6.18% | 2.49% |
| Q3 2025 | 5.61% | 2.10% | 3.78% | 6.34% | 2.55% |
| Q4 2025 | 5.51% | 2.09% | 3.70% | 6.36% | 2.68% |
| Q1 2026 | 5.39% | 2.06% | 3.58% | 6.28% | 2.78% |
| Q2 2026 | 5.58% | 2.11% | 3.74% | 6.40% | 2.77% |
Farmers & Merchants Bank of Hutsonville 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 & Merchants Bank of Hutsonville, 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 & Merchants Bank of Hutsonville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10469) · FFIEC NIC profile (RSSD 724940)