First State Bank of Campbell Hill: 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.12% to 4.24%, the largest move among the key lines here. Within Illinois, First State Bank of Campbell Hill is 69th of 323 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. First State Bank of Campbell Hill reported 4.24% on net interest margin for Q2 2026, 0.29 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 6.58% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.57% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $439K |
| Interest expense on deposits | $439K |
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 | 4.42% | 1.09% | 3.41% | 5.47% | 2.05% |
| Q4 2023 | 4.60% | 1.21% | 3.49% | 5.72% | 2.07% |
| Q1 2024 | 4.69% | 1.30% | 3.48% | 5.73% | 2.18% |
| Q2 2024 | 4.82% | 1.33% | 3.61% | 5.91% | 2.17% |
| Q3 2024 | 4.89% | 1.43% | 3.60% | 6.10% | 2.18% |
| Q4 2024 | 4.94% | 1.41% | 3.70% | 6.17% | 2.24% |
| Q1 2025 | 4.92% | 1.39% | 3.70% | 6.22% | 2.33% |
| Q2 2025 | 5.07% | 1.31% | 3.92% | 6.27% | 2.39% |
| Q3 2025 | 5.19% | 1.32% | 4.04% | 6.44% | 2.45% |
| Q4 2025 | 5.24% | 1.35% | 4.07% | 6.55% | 2.55% |
| Q1 2026 | 5.21% | 1.24% | 4.12% | 6.47% | 2.75% |
| Q2 2026 | 5.34% | 1.27% | 4.24% | 6.58% | 2.95% |
First State Bank of Campbell Hill 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 Campbell Hill, 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 Campbell Hill profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10799) · FFIEC NIC profile (RSSD 698546)