First American 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 standout move of Q2 2026 was in Total interest expense: 8.7% higher than in Q1 2026, at $40.6M. First American Bank ranks 203rd of 323 Illinois banks on net interest margin, in the lower half at 3.47% (Q2 2026). First American Bank reported 3.47% on net interest margin for Q2 2026, 0.24 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.34% |
| Yield on securities | 4.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.13% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $52.5M |
| Total interest expense | $40.6M |
| Interest expense on deposits | $21.3M |
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 | 6.26% | 2.12% | 4.22% | 6.69% | 5.94% |
| Q4 2023 | 6.10% | 2.34% | 3.89% | 6.13% | 6.06% |
| Q1 2024 | 6.33% | 2.48% | 3.99% | 6.76% | 6.01% |
| Q2 2024 | 6.32% | 2.64% | 3.81% | 6.81% | 5.96% |
| Q3 2024 | 6.42% | 2.62% | 3.94% | 6.97% | 5.97% |
| Q4 2024 | 5.98% | 2.32% | 3.79% | 6.68% | 5.46% |
| Q1 2025 | 5.68% | 2.08% | 3.72% | 6.48% | 5.10% |
| Q2 2025 | 5.77% | 2.23% | 3.65% | 6.57% | 5.22% |
| Q3 2025 | 5.78% | 2.25% | 3.67% | 6.67% | 5.18% |
| Q4 2025 | 5.64% | 2.08% | 3.70% | 6.57% | 4.99% |
| Q1 2026 | 5.39% | 2.02% | 3.50% | 6.25% | 4.79% |
| Q2 2026 | 5.45% | 2.13% | 3.47% | 6.34% | 4.80% |
First American 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 First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3657) · FFIEC NIC profile (RSSD 850036)