First 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.
Total interest expense fell 3.1% from Q1 2026 to Q2 2026, ending at $7.0M against $7.2M. It was the largest change among the key lines on this page. First State Bank ranks 143rd of 323 Illinois banks on net interest margin, in the upper half at 3.81% (Q2 2026). At 3.81%, First State Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.07% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.81% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.7M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $6.3M |
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 | 5.00% | 2.03% | 3.10% | 5.36% | 2.66% |
| Q4 2023 | 5.11% | 2.31% | 2.95% | 5.45% | 2.75% |
| Q1 2024 | 5.16% | 2.43% | 2.89% | 5.50% | 2.77% |
| Q2 2024 | 5.30% | 2.53% | 2.94% | 5.64% | 2.63% |
| Q3 2024 | 5.48% | 2.64% | 3.02% | 5.83% | 2.56% |
| Q4 2024 | 5.39% | 2.51% | 3.06% | 5.74% | 2.58% |
| Q1 2025 | 5.38% | 2.30% | 3.24% | 5.74% | 2.67% |
| Q2 2025 | 5.49% | 2.28% | 3.38% | 5.85% | 2.82% |
| Q3 2025 | 5.59% | 2.32% | 3.47% | 5.98% | 2.82% |
| Q4 2025 | 5.66% | 2.29% | 3.56% | 6.03% | 3.05% |
| Q1 2026 | 5.60% | 2.09% | 3.69% | 5.99% | 3.01% |
| Q2 2026 | 5.66% | 2.02% | 3.81% | 6.07% | 3.08% |
First 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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15752) · FFIEC NIC profile (RSSD 887340)