First Federal Savings Bank of Champaign-Urbana: 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 0.28 percentage points from Q1 2026 to Q2 2026, ending at 4.01% against 4.29%. It was the largest change among the key lines on this page. Among 323 Illinois banks, First Federal Savings Bank of Champaign-Urbana sits 6th from the top on net interest margin, 5.41% as of Q2 2026. First Federal Savings Bank of Champaign-Urbana reported 5.41% on net interest margin for Q2 2026, 1.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.49% |
| Yield on securities | 4.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.02% |
| Cost of interest-bearing deposits | 0.03% |
| Cost of interest-bearing liabilities | 0.03% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.41% |
| Yield to cost spread | 5.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $9K |
| Interest expense on deposits | $9K |
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 | 4.51% | 0.03% | 4.48% | 5.13% | 3.59% |
| Q4 2023 | 4.93% | 0.03% | 4.91% | 5.46% | 4.11% |
| Q1 2024 | 5.45% | 0.03% | 5.43% | 5.79% | 4.04% |
| Q2 2024 | 5.59% | 0.02% | 5.57% | 6.02% | 5.93% |
| Q3 2024 | 5.76% | 0.03% | 5.74% | 6.20% | 5.39% |
| Q4 2024 | 5.75% | 0.02% | 5.73% | 6.28% | 4.63% |
| Q1 2025 | 5.64% | 0.02% | 5.62% | 6.31% | 5.06% |
| Q2 2025 | 5.62% | 0.02% | 5.60% | 6.37% | 5.28% |
| Q3 2025 | 5.75% | 0.02% | 5.73% | 6.67% | 4.56% |
| Q4 2025 | 5.67% | 0.02% | 5.65% | 6.61% | 4.32% |
| Q1 2026 | 5.47% | 0.02% | 5.45% | 6.52% | 4.29% |
| Q2 2026 | 5.42% | 0.02% | 5.41% | 6.49% | 4.01% |
First Federal Savings Bank of Champaign-Urbana 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 of Champaign-Urbana, 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 of Champaign-Urbana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28445) · FFIEC NIC profile (RSSD 346771)