First Federal Savings 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.
Compared with Q1 2026, Net interest margin rose 0.23 percentage points in Q2 2026 to 3.14%, the biggest move on this page. Within Illinois, First Federal Savings Bank is 268th of 323 on net interest margin, 3.14% as of Q2 2026, below 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 Bank sits 0.81 points lower, at 3.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 5.39% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.3M |
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 | 4.04% | 1.76% | 2.56% | 4.79% | 1.53% |
| Q4 2023 | 4.28% | 2.03% | 2.61% | 4.95% | 1.51% |
| Q1 2024 | 4.28% | 2.13% | 2.48% | 4.96% | 1.49% |
| Q2 2024 | 4.45% | 2.21% | 2.55% | 5.08% | 1.61% |
| Q3 2024 | 4.50% | 2.32% | 2.50% | 5.12% | 1.76% |
| Q4 2024 | 4.46% | 2.07% | 2.45% | 5.14% | 1.93% |
| Q1 2025 | 4.26% | 2.27% | 2.35% | 5.01% | 2.14% |
| Q2 2025 | 4.63% | 2.17% | 2.71% | 5.11% | 2.52% |
| Q3 2025 | 4.72% | 2.22% | 2.79% | 5.41% | 2.49% |
| Q4 2025 | 4.68% | 2.16% | 2.82% | 5.27% | 2.57% |
| Q1 2026 | 4.70% | 2.04% | 2.91% | 5.39% | 2.80% |
| Q2 2026 | 4.88% | 1.99% | 3.14% | 5.39% | 3.15% |
First Federal Savings 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 Federal Savings 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 Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28924) · FFIEC NIC profile (RSSD 771878)