First National Bank of Nokomis: 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.
Cost of borrowings rose 0.33 percentage points from Q1 2026 to Q2 2026, ending at 1.32% against 0.99%. It was the largest change among the key lines on this page. Within Illinois, First National Bank of Nokomis is 73rd of 323 on net interest margin, 4.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Nokomis sits 0.23 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.54% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.23% |
| Cost of interest-bearing liabilities | 1.23% |
| Cost of borrowings | 1.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $355K |
| Interest expense on deposits | $351K |
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 | 4.08% | 0.61% | 3.51% | 5.61% | 2.29% |
| Q4 2023 | 4.18% | 0.63% | 3.59% | 5.75% | 2.30% |
| Q1 2024 | 4.28% | 0.80% | 3.53% | 5.88% | 2.29% |
| Q2 2024 | 4.43% | 1.02% | 3.47% | 6.07% | 2.26% |
| Q3 2024 | 4.59% | 1.09% | 3.57% | 6.20% | 2.27% |
| Q4 2024 | 4.62% | 0.98% | 3.70% | 6.24% | 2.32% |
| Q1 2025 | 4.56% | 0.95% | 3.67% | 6.07% | 2.42% |
| Q2 2025 | 4.67% | 0.93% | 3.81% | 6.25% | 2.59% |
| Q3 2025 | 4.89% | 0.92% | 4.04% | 6.38% | 2.82% |
| Q4 2025 | 4.89% | 0.93% | 4.04% | 6.30% | 2.88% |
| Q1 2026 | 4.88% | 0.88% | 4.05% | 6.33% | 2.92% |
| Q2 2026 | 4.99% | 0.87% | 4.18% | 6.54% | 3.03% |
First National Bank of Nokomis 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 Nokomis, 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 Nokomis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15763) · FFIEC NIC profile (RSSD 330248)