First National Bank in Pinckneyville: 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 0.32 percentage points from Q1 2026 to Q2 2026, ending at 3.56% against 3.88%. It was the largest change among the key lines on this page. Within Illinois, First National Bank in Pinckneyville is 92nd of 323 on net interest margin, 4.07% 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 National Bank in Pinckneyville sits 0.12 points higher, at 4.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 6.15% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.84% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.07% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $265K |
| Interest expense on deposits | $254K |
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 | 4.79% | 0.38% | 4.42% | 6.15% | 3.82% |
| Q4 2023 | 4.81% | 0.29% | 4.52% | 5.74% | 4.02% |
| Q1 2024 | 4.64% | 0.77% | 3.90% | 5.68% | 3.90% |
| Q2 2024 | 4.78% | 0.86% | 3.96% | 5.89% | 3.90% |
| Q3 2024 | 4.73% | 0.97% | 3.79% | 5.99% | 3.81% |
| Q4 2024 | 4.63% | 0.88% | 3.78% | 5.52% | 3.90% |
| Q1 2025 | 4.85% | 0.85% | 4.01% | 6.01% | 3.91% |
| Q2 2025 | 5.06% | 0.82% | 4.26% | 6.20% | 4.11% |
| Q3 2025 | 5.18% | 0.88% | 4.34% | 6.40% | 4.12% |
| Q4 2025 | 5.16% | 0.90% | 4.34% | 6.50% | 3.92% |
| Q1 2026 | 4.97% | 0.85% | 4.15% | 6.11% | 3.88% |
| Q2 2026 | 4.83% | 0.84% | 4.07% | 6.15% | 3.56% |
First National Bank in Pinckneyville 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 Pinckneyville, 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 Pinckneyville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13813) · FFIEC NIC profile (RSSD 340443)