First Secure State 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.
Compared with Q1 2026, Cost of borrowings rose 0.67 percentage points in Q2 2026 to 4.28%, the biggest move on this page. First Secure State Bank ranks 117th of 323 Illinois banks on net interest margin, in the upper half at 3.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First Secure State Bank reported 3.93% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.19% |
| Yield on loans | 6.03% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.53% |
| Cost of borrowings | 4.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $852K |
| Interest expense on deposits | $850K |
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 | 4.81% | 1.28% | 3.57% | 5.94% | 1.41% |
| Q4 2023 | 4.85% | 1.45% | 3.45% | 5.98% | 1.49% |
| Q1 2024 | 4.96% | 1.57% | 3.45% | 6.00% | 1.68% |
| Q2 2024 | 5.37% | 1.70% | 3.73% | 6.53% | 2.20% |
| Q3 2024 | 5.22% | 1.85% | 3.42% | 6.34% | 2.17% |
| Q4 2024 | 4.82% | 1.75% | 3.16% | 5.63% | 2.33% |
| Q1 2025 | 5.41% | 1.62% | 3.89% | 6.56% | 2.60% |
| Q2 2025 | 4.94% | 1.56% | 3.49% | 5.87% | 2.74% |
| Q3 2025 | 5.20% | 1.39% | 3.89% | 6.22% | 2.89% |
| Q4 2025 | 5.35% | 1.52% | 3.92% | 6.40% | 2.96% |
| Q1 2026 | 5.41% | 1.35% | 4.16% | 6.39% | 2.98% |
| Q2 2026 | 5.19% | 1.36% | 3.93% | 6.03% | 2.99% |
First Secure State 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 Secure State 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 Secure State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22971) · FFIEC NIC profile (RSSD 285348)