First National Bank of Steeleville: 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 0.19 percentage points between Q1 2026 and Q2 2026, to 6.58%. First National Bank of Steeleville ranks 180th of 323 Illinois banks on net interest margin, in the lower half at 3.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Steeleville sits 0.34 points lower, at 3.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 6.58% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | 3.46% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $862K |
| Interest expense on deposits | $759K |
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 | 4.51% | 1.03% | 3.56% | 5.42% | 3.66% |
| Q4 2023 | 4.65% | 1.17% | 3.57% | 5.66% | 3.70% |
| Q1 2024 | 4.70% | 1.29% | 3.51% | 5.69% | 3.77% |
| Q2 2024 | 4.86% | 1.40% | 3.57% | 5.93% | 3.88% |
| Q3 2024 | 4.94% | 1.50% | 3.56% | 6.12% | 3.85% |
| Q4 2024 | 4.94% | 1.57% | 3.50% | 6.26% | 3.77% |
| Q1 2025 | 4.78% | 1.52% | 3.38% | 6.17% | 3.60% |
| Q2 2025 | 4.85% | 1.49% | 3.48% | 6.31% | 3.71% |
| Q3 2025 | 4.95% | 1.46% | 3.58% | 6.41% | 3.82% |
| Q4 2025 | 4.98% | 1.44% | 3.65% | 6.52% | 3.82% |
| Q1 2026 | 4.84% | 1.38% | 3.57% | 6.39% | 3.65% |
| Q2 2026 | 4.90% | 1.40% | 3.61% | 6.58% | 3.70% |
First National Bank of Steeleville 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 Steeleville, 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 Steeleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1049) · FFIEC NIC profile (RSSD 129349)