First Eagle 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 4.47%. Within Illinois, First Eagle Bank is 44th of 323 on net interest margin, 4.47% as of Q2 2026. First Eagle Bank reported 4.47% on net interest margin for Q2 2026, 0.53 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.74% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 1.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.47% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.1M |
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 | 5.17% | 1.68% | 3.81% | 6.18% | 2.84% |
| Q4 2023 | 5.24% | 1.93% | 3.66% | 6.13% | 2.87% |
| Q1 2024 | 5.24% | 2.06% | 3.58% | 6.17% | 2.85% |
| Q2 2024 | 5.33% | 2.14% | 3.61% | 6.31% | 2.58% |
| Q3 2024 | 5.54% | 2.23% | 3.75% | 6.52% | 2.88% |
| Q4 2024 | 5.63% | 2.17% | 3.90% | 6.67% | 2.85% |
| Q1 2025 | 5.50% | 1.95% | 3.92% | 6.47% | 3.03% |
| Q2 2025 | 5.63% | 1.88% | 4.12% | 6.59% | 3.07% |
| Q3 2025 | 5.70% | 1.93% | 4.15% | 6.71% | 3.25% |
| Q4 2025 | 5.78% | 1.92% | 4.26% | 6.76% | 3.33% |
| Q1 2026 | 5.75% | 1.82% | 4.29% | 6.64% | 3.38% |
| Q2 2026 | 5.91% | 1.77% | 4.47% | 6.74% | 3.53% |
First Eagle 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 Eagle 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25883) · FFIEC NIC profile (RSSD 759045)