FCB Banks: 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, Net interest margin edged up by 0.06 percentage points, from 3.26% to 3.32%, the largest move among the key lines here. Within Illinois, FCB Banks is 233rd of 323 on net interest margin, 3.32% as of Q2 2026. FCB Banks reported 3.32% on net interest margin for Q2 2026, 0.39 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.00% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $30.5M |
| Total interest expense | $14.1M |
| Interest expense on deposits | $12.9M |
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 | 4.21% | 1.99% | 2.37% | 4.85% | 1.46% |
| Q4 2023 | 4.44% | 2.22% | 2.38% | 5.07% | 1.51% |
| Q1 2024 | 4.63% | 2.38% | 2.42% | 5.17% | 1.55% |
| Q2 2024 | 4.87% | 2.51% | 2.55% | 5.38% | 1.53% |
| Q3 2024 | 5.07% | 2.59% | 2.68% | 5.56% | 2.09% |
| Q4 2024 | 5.22% | 2.67% | 2.75% | 5.74% | 2.38% |
| Q1 2025 | 5.22% | 2.62% | 2.79% | 5.76% | 2.57% |
| Q2 2025 | 5.40% | 2.57% | 3.01% | 5.94% | 2.88% |
| Q3 2025 | 5.50% | 2.47% | 3.19% | 6.10% | 3.16% |
| Q4 2025 | 5.50% | 2.37% | 3.31% | 6.08% | 3.54% |
| Q1 2026 | 5.45% | 2.36% | 3.26% | 5.92% | 3.67% |
| Q2 2026 | 5.51% | 2.38% | 3.32% | 6.00% | 3.67% |
FCB Banks yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock FCB Banks, 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 FCB Banks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33005) · FFIEC NIC profile (RSSD 1459717)