First National Bank of Brookfield: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.33% against 4.13%. It was the largest change among the key lines on this page. Within Illinois, First National Bank of Brookfield is 54th of 323 on net interest margin, 4.33% as of Q2 2026, above the middle of the field. First National Bank of Brookfield reported 4.33% on net interest margin for Q2 2026, 0.38 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.52% |
| Yield on loans | 6.75% |
| Yield on securities | 4.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.0M |
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 | 5.98% | 1.97% | 4.22% | 6.21% | 3.05% |
| Q4 2023 | 6.08% | 2.06% | 4.23% | 6.13% | 15.18% |
| Q1 2024 | 5.97% | 2.26% | 3.97% | 6.09% | 4.39% |
| Q2 2024 | 6.33% | 2.28% | 4.32% | 6.35% | 4.56% |
| Q3 2024 | 6.67% | 2.41% | 4.52% | 6.83% | 4.73% |
| Q4 2024 | 6.30% | 2.50% | 4.12% | 6.52% | 4.69% |
| Q1 2025 | 6.19% | 2.36% | 4.10% | 6.40% | 4.87% |
| Q2 2025 | 6.41% | 2.39% | 4.30% | 6.63% | 4.72% |
| Q3 2025 | 6.47% | 2.52% | 4.27% | 6.72% | 4.87% |
| Q4 2025 | 6.45% | 2.52% | 4.25% | 6.66% | 4.80% |
| Q1 2026 | 6.32% | 2.50% | 4.13% | 6.55% | 4.84% |
| Q2 2026 | 6.52% | 2.52% | 4.33% | 6.75% | 4.84% |
First National Bank of Brookfield 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 of Brookfield, 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 of Brookfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18564) · FFIEC NIC profile (RSSD 465038)