The First National Bank of Allendale: 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.73%. The First National Bank of Allendale ranks 154th of 323 Illinois banks on net interest margin, in the upper half at 3.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The First National Bank of Allendale sits 0.22 points lower, at 3.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.56% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.73% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 4.82% | 2.09% | 2.85% | 5.80% | 2.18% |
| Q4 2023 | 5.00% | 2.09% | 2.99% | 6.00% | 2.24% |
| Q1 2024 | 5.11% | 2.20% | 2.98% | 6.06% | 2.28% |
| Q2 2024 | 5.21% | 2.22% | 3.11% | 6.20% | 2.36% |
| Q3 2024 | 5.33% | 2.29% | 3.17% | 6.34% | 2.46% |
| Q4 2024 | 5.50% | 2.18% | 3.45% | 6.54% | 2.50% |
| Q1 2025 | 5.35% | 2.05% | 3.40% | 6.37% | 2.51% |
| Q2 2025 | 5.45% | 2.09% | 3.49% | 6.49% | 2.56% |
| Q3 2025 | 5.56% | 2.12% | 3.57% | 6.60% | 2.60% |
| Q4 2025 | 5.52% | 2.02% | 3.62% | 6.75% | 2.65% |
| Q1 2026 | 5.36% | 1.93% | 3.53% | 6.52% | 2.78% |
| Q2 2026 | 5.55% | 1.93% | 3.73% | 6.56% | 2.93% |
The First National Bank of Allendale yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Allendale, 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 The First National Bank of Allendale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12365) · FFIEC NIC profile (RSSD 990642)