First Savings Bank of Hegewisch: 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.
Total interest expense fell 3.1% from Q1 2026 to Q2 2026, ending at $3.1M against $3.2M. It was the largest change among the key lines on this page. On net interest margin, First Savings Bank of Hegewisch is 2nd from the bottom among 323 Illinois banks, 1.89% (Q2 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, First Savings Bank of Hegewisch reported 1.89% on net interest margin in Q2 2026, 2.06 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.51% |
| Yield on loans | 3.44% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.89% |
| Yield to cost spread | 1.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.1M |
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 | 3.23% | 1.76% | 1.70% | 3.13% | 2.95% |
| Q4 2023 | 3.33% | 1.94% | 1.64% | 3.15% | 3.05% |
| Q1 2024 | 3.29% | 2.14% | 1.43% | 3.15% | 3.09% |
| Q2 2024 | 3.42% | 2.30% | 1.41% | 3.18% | 3.15% |
| Q3 2024 | 3.39% | 2.48% | 1.23% | 3.20% | 3.21% |
| Q4 2024 | 3.49% | 2.51% | 1.28% | 3.23% | 3.33% |
| Q1 2025 | 3.44% | 2.28% | 1.43% | 3.26% | 3.46% |
| Q2 2025 | 3.51% | 2.14% | 1.64% | 3.31% | 3.49% |
| Q3 2025 | 3.49% | 2.10% | 1.65% | 3.36% | 3.51% |
| Q4 2025 | 3.51% | 2.02% | 1.74% | 3.38% | 3.48% |
| Q1 2026 | 3.43% | 1.91% | 1.77% | 3.40% | 3.49% |
| Q2 2026 | 3.51% | 1.86% | 1.89% | 3.44% | 3.50% |
First Savings Bank of Hegewisch 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 Savings Bank of Hegewisch, 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 Savings Bank of Hegewisch profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29809) · FFIEC NIC profile (RSSD 483274)