The First State Bank of Dongola: 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 0.21 percentage points to 4.27%. Within Illinois, The First State Bank of Dongola is 64th of 323 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The First State Bank of Dongola sits 0.38 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 7.34% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $314K |
| Total interest expense | $102K |
| Interest expense on deposits | $96K |
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 | 4.70% | 1.01% | 3.75% | 6.16% | 1.58% |
| Q4 2023 | 4.80% | 1.12% | 3.74% | 6.17% | 1.28% |
| Q1 2024 | 4.92% | 1.19% | 3.79% | 6.46% | 1.88% |
| Q2 2024 | 5.13% | 1.24% | 3.97% | 6.52% | 1.98% |
| Q3 2024 | 5.25% | 1.44% | 3.89% | 6.77% | 2.08% |
| Q4 2024 | 5.50% | 1.40% | 4.16% | 6.90% | 3.36% |
| Q1 2025 | 5.36% | 1.34% | 4.07% | 7.12% | 2.79% |
| Q2 2025 | 5.37% | 1.39% | 4.08% | 7.06% | 2.99% |
| Q3 2025 | 5.50% | 1.49% | 4.12% | 7.16% | 3.09% |
| Q4 2025 | 5.61% | 1.47% | 4.22% | 7.15% | 3.10% |
| Q1 2026 | 5.34% | 1.35% | 4.06% | 7.04% | 3.25% |
| Q2 2026 | 5.50% | 1.32% | 4.27% | 7.34% | 3.38% |
The First State Bank of Dongola yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Dongola, 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 The First State Bank of Dongola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12098) · FFIEC NIC profile (RSSD 630041)