The First National Bank of Assumption: 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 0.32 percentage points to 3.67%. Within Illinois, The First National Bank of Assumption is 165th of 323 on net interest margin, 3.67% as of Q2 2026, below the middle of the field. The First National Bank of Assumption reported 3.67% on net interest margin for Q2 2026, 0.22 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.24% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.62% |
| Cost of interest-bearing deposits | 0.87% |
| Cost of interest-bearing liabilities | 0.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.67% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $103K |
| Total interest expense | $34K |
| Interest expense on deposits | $34K |
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 | 3.69% | 0.21% | 3.49% |
| Q4 2023 | 3.69% | 0.30% | 3.41% |
| Q1 2024 | 3.54% | 0.34% | 3.23% |
| Q2 2024 | 3.73% | 0.54% | 3.22% |
| Q3 2024 | 3.91% | 0.67% | 3.27% |
| Q4 2024 | 4.13% | 0.75% | 3.43% |
| Q1 2025 | 3.71% | 0.63% | 3.15% |
| Q2 2025 | 4.32% | 0.76% | 3.61% |
| Q3 2025 | 4.16% | 0.82% | 3.42% |
| Q4 2025 | 4.20% | 0.67% | 3.57% |
| Q1 2026 | 4.07% | 0.79% | 3.35% |
| Q2 2026 | 4.24% | 0.62% | 3.67% |
The First National Bank of Assumption 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 Assumption, 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 Assumption profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3600) · FFIEC NIC profile (RSSD 604033)