First Community Bank Xenia-Flora: 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.
Yield on securities fell 0.37 percentage points from Q1 2026 to Q2 2026, ending at 2.23% against 2.60%. It was the largest change among the key lines on this page. Within Illinois, First Community Bank Xenia-Flora is 99th of 323 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. First Community Bank Xenia-Flora reported 4.02% on net interest margin for Q2 2026, 0.13 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $572K |
| Total interest expense | $182K |
| Interest expense on deposits | $164K |
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 |
|---|---|---|---|
| Q3 2023 | 4.94% | 1.66% | 3.49% |
| Q4 2023 | 5.04% | 1.82% | 3.47% |
| Q1 2024 | 5.21% | 1.90% | 3.54% |
| Q2 2024 | 5.17% | 1.91% | 3.48% |
| Q3 2024 | 5.44% | 2.00% | 3.68% |
| Q4 2024 | 5.33% | 1.87% | 3.69% |
| Q1 2025 | 5.23% | 1.82% | 3.65% |
| Q2 2025 | 5.21% | 1.72% | 3.72% |
| Q3 2025 | 5.63% | 1.70% | 4.15% |
| Q4 2025 | 5.22% | 1.64% | 3.82% |
| Q1 2026 | 5.27% | 1.54% | 3.95% |
| Q2 2026 | 5.33% | 1.51% | 4.02% |
First Community Bank Xenia-Flora 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 Xenia-Flora, 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 Xenia-Flora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3850) · FFIEC NIC profile (RSSD 242)