First National Bank of Lacon: 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 4.08%. First National Bank of Lacon ranks 90th of 323 Illinois banks on net interest margin, in the upper half at 4.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Lacon sits 0.13 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 5.82% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 1.19% |
| Cost of interest-bearing liabilities | 1.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $979K |
| Total interest expense | $221K |
| Interest expense on deposits | $219K |
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 | 4.37% | 0.82% | 3.61% | 5.44% | 1.82% |
| Q4 2023 | 4.44% | 0.89% | 3.63% | 5.56% | 1.80% |
| Q1 2024 | 4.56% | 1.07% | 3.58% | 5.70% | 1.82% |
| Q2 2024 | 4.77% | 1.18% | 3.69% | 5.79% | 1.80% |
| Q3 2024 | 4.85% | 1.12% | 3.80% | 5.95% | 2.04% |
| Q4 2024 | 4.82% | 1.09% | 3.79% | 5.86% | 1.91% |
| Q1 2025 | 4.68% | 1.06% | 3.66% | 5.69% | 1.93% |
| Q2 2025 | 4.85% | 1.20% | 3.74% | 5.85% | 1.77% |
| Q3 2025 | 5.05% | 1.20% | 3.92% | 6.02% | 1.96% |
| Q4 2025 | 5.05% | 1.12% | 4.01% | 5.87% | 2.20% |
| Q1 2026 | 4.96% | 1.02% | 4.00% | 5.72% | 2.30% |
| Q2 2026 | 5.03% | 1.02% | 4.08% | 5.82% | 2.35% |
First National Bank of Lacon 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 Lacon, 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 Lacon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3688) · FFIEC NIC profile (RSSD 824738)