First Federal Savings and Loan Association of Central Illinois, S.B.: 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 Total interest expense, which rose 5.7% to $1.1M. Within Illinois, First Federal Savings and Loan Association of Central Illinois, S.B. is 58th of 323 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Federal Savings and Loan Association of Central Illinois, S.B. sits 0.35 points higher, at 4.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.18% |
| Yield on securities | 3.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 3.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.41% | 1.61% | 3.92% | 5.90% | 3.76% |
| Q4 2023 | 5.69% | 1.87% | 3.97% | 6.21% | 3.87% |
| Q1 2024 | 5.80% | 2.10% | 3.85% | 6.33% | 3.86% |
| Q2 2024 | 5.84% | 2.26% | 3.73% | 6.37% | 3.91% |
| Q3 2024 | 5.98% | 2.43% | 3.73% | 6.60% | 3.88% |
| Q4 2024 | 6.00% | 2.30% | 3.88% | 6.69% | 4.00% |
| Q1 2025 | 5.89% | 2.26% | 3.80% | 6.64% | 3.95% |
| Q2 2025 | 6.13% | 2.31% | 4.01% | 6.93% | 3.86% |
| Q3 2025 | 6.44% | 2.31% | 4.33% | 7.18% | 4.18% |
| Q4 2025 | 6.55% | 2.27% | 4.47% | 7.27% | 4.20% |
| Q1 2026 | 6.26% | 2.16% | 4.26% | 7.05% | 3.95% |
| Q2 2026 | 6.32% | 2.21% | 4.30% | 7.18% | 3.93% |
First Federal Savings and Loan Association of Central Illinois, S.B. 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 Federal Savings and Loan Association of Central Illinois, S.B., 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 Federal Savings and Loan Association of Central Illinois, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29645) · FFIEC NIC profile (RSSD 399973)