First Robinson Savings 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.80%, the biggest move on this page. Within Illinois, First Robinson Savings Bank, N.A. is 143rd of 323 on net interest margin, 3.80% as of Q2 2026, above the middle of the field. First Robinson Savings Bank, N.A. reported 3.80% on net interest margin for Q2 2026, 0.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 6.48% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 2.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 3.93% | 1.79% | 2.21% | 5.87% | 1.52% |
| Q4 2023 | 4.19% | 1.95% | 2.34% | 6.17% | 1.53% |
| Q1 2024 | 4.35% | 1.94% | 2.48% | 6.34% | 1.54% |
| Q2 2024 | 4.46% | 1.87% | 2.71% | 6.52% | 1.53% |
| Q3 2024 | 4.52% | 1.92% | 2.66% | 6.59% | 1.51% |
| Q4 2024 | 4.57% | 1.78% | 2.88% | 6.61% | 1.68% |
| Q1 2025 | 4.59% | 1.65% | 3.01% | 6.50% | 1.85% |
| Q2 2025 | 4.87% | 1.53% | 3.42% | 6.58% | 1.99% |
| Q3 2025 | 5.23% | 1.50% | 3.78% | 6.93% | 2.01% |
| Q4 2025 | 4.83% | 1.53% | 3.38% | 6.24% | 2.16% |
| Q1 2026 | 5.03% | 1.43% | 3.65% | 6.42% | 2.23% |
| Q2 2026 | 5.16% | 1.43% | 3.80% | 6.48% | 2.30% |
First Robinson Savings 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 Robinson Savings 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 Robinson Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28105) · FFIEC NIC profile (RSSD 660271)