First Southern 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.30 percentage points to 4.16%. First Southern Bank ranks 77th of 323 Illinois banks on net interest margin, in the upper half at 4.16% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. First Southern Bank sits 0.45 points higher, at 4.16% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.33% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | 0.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.16% |
| Yield to cost spread | 3.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.5M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $3.0M |
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 | 4.62% | 1.22% | 3.36% | 5.42% | 2.55% |
| Q4 2023 | 4.76% | 1.40% | 3.37% | 5.58% | 2.60% |
| Q1 2024 | 4.83% | 1.39% | 3.43% | 5.60% | 2.68% |
| Q2 2024 | 4.93% | 1.47% | 3.44% | 5.81% | 2.68% |
| Q3 2024 | 5.04% | 1.57% | 3.45% | 5.98% | 2.69% |
| Q4 2024 | 5.10% | 1.60% | 3.53% | 5.98% | 2.79% |
| Q1 2025 | 5.06% | 1.35% | 3.71% | 5.90% | 2.84% |
| Q2 2025 | 5.18% | 1.28% | 3.88% | 6.02% | 2.90% |
| Q3 2025 | 5.33% | 1.34% | 3.99% | 6.30% | 3.01% |
| Q4 2025 | 5.38% | 1.32% | 4.08% | 6.34% | 2.98% |
| Q1 2026 | 5.08% | 1.23% | 3.86% | 5.88% | 3.04% |
| Q2 2026 | 5.37% | 1.21% | 4.16% | 6.33% | 3.07% |
First Southern 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 Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15565) · FFIEC NIC profile (RSSD 382649)