First Neighbor Bank, N.A.: 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, Net interest margin edged down by 0.09 percentage points, from 4.29% to 4.20%, the largest move among the key lines here. Within Illinois, First Neighbor Bank, N.A. is 72nd of 323 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. First Neighbor Bank, N.A. reported 4.20% on net interest margin for Q2 2026, 0.25 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 6.78% |
| Yield on securities | 4.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.9M |
| Total interest expense | $3.4M |
| 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 | 5.70% | 1.72% | 4.06% | 6.26% | 3.41% |
| Q4 2023 | 6.67% | 1.96% | 4.81% | 6.81% | 3.54% |
| Q1 2024 | 6.16% | 1.97% | 4.21% | 6.60% | 3.78% |
| Q2 2024 | 6.43% | 2.12% | 4.36% | 6.81% | 4.45% |
| Q3 2024 | 6.48% | 2.26% | 4.29% | 6.99% | 3.70% |
| Q4 2024 | 6.60% | 2.22% | 4.45% | 6.96% | 4.61% |
| Q1 2025 | 6.34% | 2.13% | 4.33% | 6.77% | 4.60% |
| Q2 2025 | 6.45% | 2.13% | 4.43% | 6.75% | 4.95% |
| Q3 2025 | 6.35% | 2.24% | 4.23% | 6.77% | 4.53% |
| Q4 2025 | 6.34% | 2.22% | 4.26% | 6.90% | 4.58% |
| Q1 2026 | 6.24% | 2.06% | 4.29% | 6.95% | 4.66% |
| Q2 2026 | 6.14% | 2.07% | 4.20% | 6.78% | 4.68% |
First Neighbor Bank, N.A. 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 Neighbor Bank, N.A., 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 Neighbor Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3747) · FFIEC NIC profile (RSSD 413646)