First National Bank of Pana: 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 0.36 percentage points from Q1 2026 to Q2 2026, ending at 3.94% against 3.58%. It was the largest change among the key lines on this page. Within Illinois, First National Bank of Pana is 115th of 323 on net interest margin, 3.94% 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 Pana reported 3.94% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.47% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 4.83% | 1.01% | 3.88% | 5.20% | 2.54% |
| Q4 2023 | 4.99% | 1.29% | 3.74% | 5.39% | 2.55% |
| Q1 2024 | 5.11% | 1.54% | 3.66% | 5.50% | 2.54% |
| Q2 2024 | 5.21% | 1.75% | 3.58% | 5.61% | 2.61% |
| Q3 2024 | 5.35% | 1.86% | 3.58% | 5.81% | 2.58% |
| Q4 2024 | 5.50% | 1.89% | 3.73% | 5.98% | 2.74% |
| Q1 2025 | 5.38% | 1.84% | 3.65% | 5.98% | 2.86% |
| Q2 2025 | 5.60% | 1.89% | 3.84% | 6.09% | 3.05% |
| Q3 2025 | 5.72% | 1.91% | 3.89% | 6.29% | 3.10% |
| Q4 2025 | 5.70% | 2.04% | 3.75% | 6.35% | 3.14% |
| Q1 2026 | 5.46% | 2.05% | 3.58% | 6.27% | 3.28% |
| Q2 2026 | 5.79% | 1.97% | 3.94% | 6.47% | 3.52% |
First National Bank of Pana 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 Pana, 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 Pana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3720) · FFIEC NIC profile (RSSD 860147)