The First National Bank of Okawville: 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: Yield on loans edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 6.29%. The First National Bank of Okawville ranks 267th of 323 Illinois banks on net interest margin, in the lower half at 3.15% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First National Bank of Okawville sits 0.74 points lower, at 3.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.03% |
| Yield on loans | 6.29% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.93% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $346K |
| Total interest expense | $138K |
| Interest expense on deposits | $138K |
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 | 3.20% | 0.73% | 2.56% | 5.06% | 2.18% |
| Q4 2023 | 3.33% | 0.94% | 2.50% | 5.18% | 2.23% |
| Q1 2024 | 3.50% | 1.06% | 2.56% | 5.50% | 2.24% |
| Q2 2024 | 3.59% | 1.20% | 2.49% | 5.79% | 2.31% |
| Q3 2024 | 3.67% | 1.63% | 2.36% | 5.99% | 2.29% |
| Q4 2024 | 3.77% | 1.50% | 2.42% | 6.28% | 2.05% |
| Q1 2025 | 3.70% | 0.85% | 2.92% | 5.98% | 2.06% |
| Q2 2025 | 3.82% | 0.86% | 3.01% | 6.11% | 2.06% |
| Q3 2025 | 3.90% | 0.97% | 2.99% | 6.33% | 2.10% |
| Q4 2025 | 3.98% | 0.97% | 3.07% | 6.32% | 2.26% |
| Q1 2026 | 3.96% | 0.90% | 3.11% | 6.13% | 2.34% |
| Q2 2026 | 4.03% | 0.93% | 3.15% | 6.29% | 2.43% |
The First National Bank of Okawville 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 Okawville, 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 Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3826) · FFIEC NIC profile (RSSD 333940)