The First National Bank of Arenzville: 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 0.21 percentage points to 4.15%. Within Illinois, The First National Bank of Arenzville is 79th of 323 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The First National Bank of Arenzville reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.42% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $567K |
| Interest expense on deposits | $567K |
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 | 4.38% | 1.37% | 3.08% | 5.39% | 1.51% |
| Q4 2023 | 4.53% | 1.39% | 3.21% | 5.51% | 1.51% |
| Q1 2024 | 4.66% | 1.47% | 3.28% | 5.63% | 1.66% |
| Q2 2024 | 4.86% | 1.47% | 3.47% | 5.79% | 1.79% |
| Q3 2024 | 5.06% | 1.58% | 3.55% | 5.96% | 1.87% |
| Q4 2024 | 5.12% | 1.60% | 3.58% | 6.03% | 2.05% |
| Q1 2025 | 5.04% | 1.51% | 3.59% | 5.93% | 2.30% |
| Q2 2025 | 5.35% | 1.49% | 3.95% | 6.19% | 2.43% |
| Q3 2025 | 5.63% | 1.55% | 4.20% | 6.41% | 2.69% |
| Q4 2025 | 5.62% | 1.58% | 4.13% | 6.43% | 2.87% |
| Q1 2026 | 5.41% | 1.57% | 3.94% | 6.30% | 2.90% |
| Q2 2026 | 5.62% | 1.57% | 4.15% | 6.42% | 3.04% |
The First National Bank of Arenzville 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 Arenzville, 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 Arenzville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3599) · FFIEC NIC profile (RSSD 593333)