Federated Bank: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 5.64% against 5.44%. It was the largest change among the key lines on this page. On net interest margin, Federated Bank ranks 2nd highest among the 323 banks headquartered in Illinois, at 5.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Federated Bank sits 1.70 points higher, at 5.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.74% |
| Yield on loans | 7.61% |
| Yield on securities | 5.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.64% |
| Yield to cost spread | 5.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $336K |
| Interest expense on deposits | $336K |
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 | 4.50% | 0.66% | 3.89% | 5.71% | 3.56% |
| Q4 2023 | 4.65% | 0.77% | 3.91% | 5.88% | 3.65% |
| Q1 2024 | 4.75% | 0.87% | 3.94% | 6.03% | 3.76% |
| Q2 2024 | 4.89% | 1.03% | 3.92% | 6.19% | 3.80% |
| Q3 2024 | 5.15% | 1.17% | 4.05% | 6.61% | 3.83% |
| Q4 2024 | 4.66% | 0.98% | 3.71% | 6.70% | 2.48% |
| Q1 2025 | 5.03% | 0.89% | 4.19% | 6.50% | 3.63% |
| Q2 2025 | 4.49% | -0.20% | 3.78% | 5.58% | 3.35% |
| Q3 2025 | 6.83% | 1.11% | 5.78% | 7.95% | 5.28% |
| Q4 2025 | 6.75% | 1.20% | 5.59% | 7.74% | 5.17% |
| Q1 2026 | 6.58% | 1.18% | 5.44% | 7.60% | 4.98% |
| Q2 2026 | 6.74% | 1.01% | 5.64% | 7.61% | 5.29% |
Federated Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Federated Bank, 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 Federated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10464) · FFIEC NIC profile (RSSD 640143)