First Community Bank of Hillsboro: 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.
Compared with Q1 2026, Net interest margin rose 0.24 percentage points in Q2 2026 to 3.27%, the biggest move on this page. First Community Bank of Hillsboro ranks 241st of 323 Illinois banks on net interest margin, in the lower half at 3.27% (Q2 2026). First Community Bank of Hillsboro reported 3.27% on net interest margin for Q2 2026, 0.68 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.85% |
| Yield on securities | 2.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $462K |
| Interest expense on deposits | $350K |
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 | 3.43% | 1.98% | 1.78% | 5.50% | 0.89% |
| Q4 2023 | 3.48% | 2.29% | 1.52% | 5.47% | 0.92% |
| Q1 2024 | 3.56% | 2.29% | 1.59% | 5.48% | 0.95% |
| Q2 2024 | 3.63% | 2.11% | 1.75% | 5.54% | 0.97% |
| Q3 2024 | 3.75% | 2.00% | 2.02% | 5.63% | 1.07% |
| Q4 2024 | 3.88% | 2.10% | 2.03% | 5.63% | 1.33% |
| Q1 2025 | 3.96% | 1.84% | 2.33% | 5.65% | 1.44% |
| Q2 2025 | 4.08% | 1.78% | 2.49% | 5.72% | 1.56% |
| Q3 2025 | 4.25% | 1.74% | 2.74% | 5.83% | 1.68% |
| Q4 2025 | 4.44% | 1.80% | 2.91% | 5.84% | 1.94% |
| Q1 2026 | 4.46% | 1.62% | 3.03% | 5.73% | 2.07% |
| Q2 2026 | 4.67% | 1.61% | 3.27% | 5.85% | 2.22% |
First Community Bank of Hillsboro 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 Community Bank of Hillsboro, 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 Community Bank of Hillsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34752) · FFIEC NIC profile (RSSD 2696180)