First State Bank of Beecher City: 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 0.16 percentage points in Q2 2026 to 4.62%, the biggest move on this page. On net interest margin, First State Bank of Beecher City ranks 28th highest among the 323 banks headquartered in Illinois, at 4.62% (Q2 2026). First State Bank of Beecher City reported 4.62% on net interest margin for Q2 2026, 0.67 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.41% |
| Yield on loans | 7.31% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.64% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $490K |
| Interest expense on deposits | $490K |
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 | 5.89% | 1.76% | 4.35% | 6.34% | 4.80% |
| Q4 2023 | 6.15% | 1.97% | 4.43% | 6.65% | 4.97% |
| Q1 2024 | 6.49% | 2.09% | 4.67% | 6.98% | 5.14% |
| Q2 2024 | 6.66% | 2.14% | 4.81% | 7.14% | 5.19% |
| Q3 2024 | 6.75% | 2.16% | 4.87% | 7.22% | 5.24% |
| Q4 2024 | 6.77% | 2.33% | 4.78% | 7.33% | 5.14% |
| Q1 2025 | 6.40% | 2.31% | 4.40% | 7.17% | 4.23% |
| Q2 2025 | 6.42% | 2.28% | 4.46% | 7.19% | 4.15% |
| Q3 2025 | 6.70% | 2.26% | 4.75% | 7.46% | 4.12% |
| Q4 2025 | 6.55% | 2.25% | 4.63% | 7.40% | 3.94% |
| Q1 2026 | 6.29% | 2.11% | 4.46% | 7.26% | 3.59% |
| Q2 2026 | 6.41% | 2.09% | 4.62% | 7.31% | 3.59% |
First State Bank of Beecher City 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 of Beecher City, 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 of Beecher City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10871) · FFIEC NIC profile (RSSD 601041)