First Bank Chicago: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.7% between Q1 2026 and Q2 2026, to $15.4M. First Bank Chicago has the 3rd lowest net interest margin of the 323 banks headquartered in Illinois, at 2.18% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Bank Chicago sits 1.53 points lower, at 2.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.82% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.18% |
| Cost of interest-bearing deposits | 3.33% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.18% |
| Yield to cost spread | 1.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.1M |
| Total interest expense | $15.4M |
| Interest expense on deposits | $13.7M |
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 | 5.22% | 3.88% | 1.62% | 5.92% | 3.32% |
| Q4 2023 | 5.16% | 3.93% | 1.52% | 5.89% | 3.34% |
| Q1 2024 | 5.09% | 4.00% | 1.38% | 5.89% | 3.12% |
| Q2 2024 | 5.12% | 4.09% | 1.34% | 5.90% | 3.11% |
| Q3 2024 | 5.29% | 4.04% | 1.54% | 5.99% | 3.10% |
| Q4 2024 | 5.15% | 3.75% | 1.66% | 5.92% | 3.04% |
| Q1 2025 | 5.01% | 3.43% | 1.81% | 5.75% | 3.02% |
| Q2 2025 | 5.24% | 3.46% | 2.01% | 5.92% | 3.33% |
| Q3 2025 | 5.30% | 3.49% | 2.02% | 6.06% | 3.19% |
| Q4 2025 | 5.26% | 3.32% | 2.16% | 5.97% | 3.19% |
| Q1 2026 | 5.09% | 3.17% | 2.14% | 5.78% | 3.15% |
| Q2 2026 | 5.16% | 3.18% | 2.18% | 5.82% | 3.17% |
First Bank Chicago 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 Bank Chicago, 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 Bank Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17470) · FFIEC NIC profile (RSSD 804338)