First National Bank in Olney: 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.
Cost of borrowings dropped 0.99 percentage points in Q2 2026, from 3.23% to 2.24%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank in Olney is 212th of 323 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. First National Bank in Olney reported 3.42% on net interest margin for Q2 2026, 0.53 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 6.42% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | 2.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 4.46% | 1.57% | 3.03% | 5.51% | 3.03% |
| Q4 2023 | 4.66% | 1.82% | 3.01% | 5.72% | 3.12% |
| Q1 2024 | 4.66% | 1.85% | 2.97% | 5.83% | 3.10% |
| Q2 2024 | 4.73% | 1.93% | 2.96% | 5.84% | 3.24% |
| Q3 2024 | 5.01% | 2.05% | 3.14% | 6.13% | 3.42% |
| Q4 2024 | 4.96% | 2.07% | 3.07% | 6.09% | 3.32% |
| Q1 2025 | 4.85% | 1.96% | 3.06% | 6.04% | 3.33% |
| Q2 2025 | 4.97% | 1.93% | 3.20% | 6.21% | 3.20% |
| Q3 2025 | 5.00% | 1.95% | 3.21% | 6.36% | 3.06% |
| Q4 2025 | 5.11% | 1.90% | 3.38% | 6.48% | 3.26% |
| Q1 2026 | 4.80% | 1.76% | 3.18% | 6.18% | 3.30% |
| Q2 2026 | 5.02% | 1.74% | 3.42% | 6.42% | 3.49% |
First National Bank in Olney 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 National Bank in Olney, 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 National Bank in Olney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14567) · FFIEC NIC profile (RSSD 412845)