The First National Bank of Ava: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 4.13%. Within Illinois, The First National Bank of Ava is 83rd of 323 on net interest margin, 4.13% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Ava sits 0.24 points higher, at 4.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 6.82% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.30% |
| Cost of interest-bearing liabilities | 1.30% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $740K |
| Total interest expense | $181K |
| Interest expense on deposits | $181K |
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 | 4.43% | 0.89% | 3.60% | 6.13% | 2.77% |
| Q4 2023 | 5.19% | 1.02% | 4.23% | 7.46% | 2.82% |
| Q1 2024 | 4.67% | 1.01% | 3.72% | 6.61% | 2.63% |
| Q2 2024 | 4.73% | 1.07% | 3.72% | 6.49% | 2.78% |
| Q3 2024 | 4.82% | 1.12% | 3.81% | 7.13% | 2.49% |
| Q4 2024 | 4.71% | 1.26% | 3.58% | 6.87% | 2.50% |
| Q1 2025 | 4.70% | 1.14% | 3.68% | 6.74% | 2.56% |
| Q2 2025 | 4.83% | 1.07% | 3.87% | 6.90% | 2.64% |
| Q3 2025 | 5.03% | 1.08% | 4.07% | 7.18% | 2.65% |
| Q4 2025 | 5.01% | 1.03% | 4.10% | 6.88% | 2.62% |
| Q1 2026 | 4.94% | 1.01% | 4.05% | 6.73% | 2.64% |
| Q2 2026 | 5.05% | 1.04% | 4.13% | 6.82% | 2.73% |
The First National Bank of Ava 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 Ava, 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 Ava profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3761) · FFIEC NIC profile (RSSD 858443)