First Nations Bank: 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.
In Q2 2026, Total interest expense edged down by 2.4%, from $3.1M to $3.1M, the largest move among the key lines here. First Nations Bank ranks 242nd of 323 Illinois banks on net interest margin, in the lower half at 3.26% (Q2 2026). First Nations Bank reported 3.26% on net interest margin for Q2 2026, 0.68 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.11% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.71% |
| Cost of interest-bearing deposits | 3.16% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | 3.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.26% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.9M |
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 | 5.25% | 2.89% | 2.70% | 5.46% | 2.55% |
| Q4 2023 | 5.45% | 3.21% | 2.64% | 5.58% | 3.01% |
| Q1 2024 | 5.61% | 3.42% | 2.61% | 5.63% | 2.76% |
| Q2 2024 | 5.63% | 3.52% | 2.55% | 5.77% | 3.96% |
| Q3 2024 | 5.80% | 3.56% | 2.68% | 5.94% | 5.02% |
| Q4 2024 | 5.74% | 3.26% | 2.91% | 5.91% | 4.97% |
| Q1 2025 | 5.61% | 3.08% | 2.91% | 5.85% | 4.39% |
| Q2 2025 | 5.70% | 3.05% | 3.03% | 5.99% | 4.20% |
| Q3 2025 | 5.82% | 3.05% | 3.18% | 6.16% | 4.08% |
| Q4 2025 | 5.74% | 2.91% | 3.23% | 6.15% | 3.79% |
| Q1 2026 | 5.55% | 2.70% | 3.22% | 6.02% | 3.52% |
| Q2 2026 | 5.59% | 2.71% | 3.26% | 6.11% | 3.54% |
First Nations Bank 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 Nations Bank, 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 Nations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22282) · FFIEC NIC profile (RSSD 277240)