Farmers State Bank of Western Illinois: 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 0.14 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Farmers State Bank of Western Illinois ranks 128th of 323 Illinois banks on net interest margin, in the upper half at 3.87% (Q2 2026). At 3.87%, Farmers State Bank of Western Illinois's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.59% |
| Yield on securities | 2.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 1.28% |
| Cost of interest-bearing liabilities | 1.28% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $341K |
| Interest expense on deposits | $341K |
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% | 0.96% | 3.25% | 6.40% | 2.35% |
| Q4 2023 | 4.37% | 1.12% | 3.37% | 6.72% | 2.42% |
| Q1 2024 | 4.31% | 1.20% | 3.23% | 6.47% | 2.50% |
| Q2 2024 | 4.47% | 1.28% | 3.31% | 6.68% | 2.48% |
| Q3 2024 | 4.56% | 1.34% | 3.35% | 6.81% | 2.51% |
| Q4 2024 | 4.55% | 1.27% | 3.40% | 6.59% | 2.58% |
| Q1 2025 | 4.43% | 1.13% | 3.40% | 6.32% | 2.69% |
| Q2 2025 | 4.68% | 1.08% | 3.71% | 6.59% | 2.77% |
| Q3 2025 | 4.56% | 1.06% | 3.61% | 6.40% | 2.76% |
| Q4 2025 | 4.60% | 1.02% | 3.67% | 6.48% | 2.75% |
| Q1 2026 | 4.61% | 0.98% | 3.73% | 6.74% | 2.82% |
| Q2 2026 | 4.74% | 0.98% | 3.87% | 6.59% | 2.89% |
Farmers State Bank of Western Illinois 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 Western Illinois, 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 Western Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11680) · FFIEC NIC profile (RSSD 653433)