The First National Bank of Brownstown: 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 0.23 percentage points to 3.96%. The First National Bank of Brownstown ranks 113th of 323 Illinois banks on net interest margin, in the upper half at 3.96% (Q2 2026). At 3.96%, The First National Bank of Brownstown's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 6.82% |
| Yield on securities | 3.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $358K |
| Total interest expense | $157K |
| Interest expense on deposits | $157K |
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 | 4.01% | 0.79% | 3.25% | 5.78% | 2.42% |
| Q4 2023 | 4.09% | 1.16% | 2.99% | 5.81% | 2.43% |
| Q1 2024 | 4.25% | 1.30% | 3.00% | 5.91% | 2.63% |
| Q2 2024 | 4.50% | 1.25% | 3.29% | 6.15% | 2.98% |
| Q3 2024 | 4.54% | 1.40% | 3.22% | 6.21% | 3.10% |
| Q4 2024 | 4.58% | 1.60% | 3.07% | 6.35% | 3.02% |
| Q1 2025 | 4.63% | 1.42% | 3.29% | 6.28% | 3.36% |
| Q2 2025 | 4.75% | 1.39% | 3.45% | 6.41% | 3.28% |
| Q3 2025 | 4.93% | 1.35% | 3.68% | 6.67% | 3.46% |
| Q4 2025 | 4.99% | 1.29% | 3.81% | 6.59% | 3.64% |
| Q1 2026 | 4.85% | 1.21% | 3.73% | 6.41% | 3.64% |
| Q2 2026 | 5.08% | 1.21% | 3.96% | 6.82% | 3.72% |
The First National Bank of Brownstown 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 Brownstown, 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 Brownstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3770) · FFIEC NIC profile (RSSD 207041)