First Community Bank of Moultrie County: 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.
In Q2 2026, Yield on loans edged up by 0.19 percentage points, from 6.40% to 6.59%, the largest move among the key lines here. Within Illinois, First Community Bank of Moultrie County is 235th of 323 on net interest margin, 3.32% as of Q2 2026, below the middle of the field. First Community Bank of Moultrie County reported 3.32% on net interest margin for Q2 2026, 0.63 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.12% |
| Yield on loans | 6.59% |
| Yield on securities | 1.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.85% |
| Cost of interest-bearing deposits | 1.06% |
| Cost of interest-bearing liabilities | 1.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 3.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $856K |
| Total interest expense | $238K |
| Interest expense on deposits | $238K |
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 | 3.37% | 0.51% | 2.89% | 5.81% | 1.66% |
| Q4 2023 | 3.52% | 0.53% | 3.01% | 6.00% | 1.68% |
| Q1 2024 | 3.55% | 0.60% | 2.98% | 6.05% | 1.69% |
| Q2 2024 | 3.67% | 0.93% | 2.79% | 6.24% | 1.69% |
| Q3 2024 | 3.82% | 1.03% | 2.84% | 6.47% | 1.67% |
| Q4 2024 | 3.90% | 0.89% | 3.06% | 6.50% | 1.67% |
| Q1 2025 | 3.80% | 0.82% | 3.02% | 6.34% | 1.67% |
| Q2 2025 | 3.88% | 0.87% | 3.05% | 6.40% | 1.67% |
| Q3 2025 | 4.08% | 0.84% | 3.27% | 6.61% | 1.70% |
| Q4 2025 | 4.10% | 0.83% | 3.32% | 6.56% | 1.74% |
| Q1 2026 | 4.05% | 0.82% | 3.27% | 6.40% | 1.90% |
| Q2 2026 | 4.12% | 0.85% | 3.32% | 6.59% | 1.90% |
First Community Bank of Moultrie County 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 Moultrie County, 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 Moultrie County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3745) · FFIEC NIC profile (RSSD 459644)