Farmers State Bank of Alto Pass, ILL.: 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 fell 0.16 percentage points in Q2 2026 to 5.69%, the biggest move on this page. As of Q2 2026, Farmers State Bank of Alto Pass, ILL. ranks first in Illinois on net interest margin among 323 banks, at 5.69%. Farmers State Bank of Alto Pass, ILL. reported 5.69% on net interest margin for Q2 2026, 1.74 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.99% |
| Yield on loans | 7.33% |
| Yield on securities | 3.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.69% |
| Yield to cost spread | 5.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.84% | 1.27% | 5.61% | 7.27% | 3.08% |
| Q4 2023 | 6.98% | 1.54% | 5.54% | 7.37% | 3.15% |
| Q1 2024 | 7.06% | 1.52% | 5.57% | 7.47% | 3.13% |
| Q2 2024 | 7.20% | 1.55% | 5.68% | 7.56% | 3.15% |
| Q3 2024 | 7.24% | 1.62% | 5.65% | 7.60% | 3.15% |
| Q4 2024 | 7.47% | 1.63% | 5.89% | 7.89% | 3.13% |
| Q1 2025 | 7.08% | 1.60% | 5.59% | 7.48% | 3.12% |
| Q2 2025 | 7.16% | 1.51% | 5.69% | 7.58% | 3.10% |
| Q3 2025 | 7.19% | 1.43% | 5.80% | 7.61% | 3.09% |
| Q4 2025 | 7.53% | 1.44% | 6.14% | 7.98% | 3.15% |
| Q1 2026 | 7.16% | 1.36% | 5.85% | 7.57% | 3.59% |
| Q2 2026 | 6.99% | 1.35% | 5.69% | 7.33% | 3.82% |
Farmers State Bank of Alto Pass, ILL. 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 State Bank of Alto Pass, ILL., 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 State Bank of Alto Pass, ILL. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11299) · FFIEC NIC profile (RSSD 856346)