First Federal Savings Bank of Mascoutah, Illinois: 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, Total interest expense rose 3.5% in Q2 2026 to $1.3M, the biggest move on this page. Within Illinois, First Federal Savings Bank of Mascoutah, Illinois is 290th of 323 on net interest margin, 2.93% 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 of Mascoutah, Illinois sits 1.02 points lower, at 2.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.82% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.93% |
| Yield to cost spread | 2.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $1.3M |
| 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 |
|---|---|---|---|
| Q3 2023 | 4.41% | 2.32% | 2.26% |
| Q4 2023 | 4.54% | 2.41% | 2.32% |
| Q1 2024 | 4.69% | 2.51% | 2.36% |
| Q2 2024 | 4.69% | 2.62% | 2.30% |
| Q3 2024 | 5.01% | 2.71% | 2.54% |
| Q4 2024 | 5.34% | 2.79% | 2.78% |
| Q1 2025 | 5.21% | 2.77% | 2.72% |
| Q2 2025 | 5.11% | 2.82% | 2.63% |
| Q3 2025 | 5.34% | 2.79% | 2.86% |
| Q4 2025 | 5.40% | 2.84% | 2.91% |
| Q1 2026 | 5.28% | 2.79% | 2.78% |
| Q2 2026 | 5.46% | 2.82% | 2.93% |
First Federal Savings Bank of Mascoutah, Illinois 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 Mascoutah, Illinois, 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 Mascoutah, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30969) · FFIEC NIC profile (RSSD 966272)