Fidelity 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.31 percentage points to 3.97%. Within Illinois, Fidelity Bank is 111th of 323 on net interest margin, 3.97% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Fidelity Bank reported 3.97% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 7.54% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $952K |
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 | 5.01% | 1.69% | 3.55% | 7.23% | 1.71% |
| Q4 2023 | 5.24% | 2.07% | 3.27% | 7.15% | 2.45% |
| Q1 2024 | 5.53% | 2.29% | 3.25% | 7.53% | 2.01% |
| Q2 2024 | 5.83% | 2.62% | 3.26% | 7.99% | 1.84% |
| Q3 2024 | 6.00% | 2.47% | 3.51% | 8.06% | 2.23% |
| Q4 2024 | 5.90% | 2.42% | 3.52% | 7.98% | 1.72% |
| Q1 2025 | 6.10% | 2.36% | 3.75% | 7.89% | 2.37% |
| Q2 2025 | 6.30% | 2.51% | 3.77% | 8.07% | 2.26% |
| Q3 2025 | 6.19% | 2.65% | 3.53% | 7.85% | 2.06% |
| Q4 2025 | 6.64% | 2.57% | 4.14% | 8.03% | 2.26% |
| Q1 2026 | 6.08% | 2.44% | 3.66% | 7.17% | 2.31% |
| Q2 2026 | 6.39% | 2.44% | 3.97% | 7.54% | 2.39% |
Fidelity 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 Fidelity 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5753) · FFIEC NIC profile (RSSD 597041)