First State Bank of Olmsted: 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 3.82%, the biggest move on this page. Within Illinois, First State Bank of Olmsted is 141st of 323 on net interest margin, 3.82% 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; First State Bank of Olmsted reported 3.82% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $822K |
| Total interest expense | $273K |
| Interest expense on deposits | $273K |
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 |
|---|---|---|---|
| Q3 2023 | 4.20% | 1.62% | 2.74% |
| Q4 2023 | 4.36% | 1.60% | 2.90% |
| Q1 2024 | 4.51% | 1.71% | 2.97% |
| Q2 2024 | 4.66% | 1.76% | 3.06% |
| Q3 2024 | 4.69% | 1.90% | 2.97% |
| Q4 2024 | 4.72% | 1.79% | 3.11% |
| Q1 2025 | 4.67% | 1.59% | 3.23% |
| Q2 2025 | 5.01% | 1.60% | 3.57% |
| Q3 2025 | 5.12% | 1.68% | 3.61% |
| Q4 2025 | 5.13% | 1.64% | 3.66% |
| Q1 2026 | 5.07% | 1.58% | 3.66% |
| Q2 2026 | 5.26% | 1.63% | 3.82% |
First State Bank of Olmsted 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 Olmsted, 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 Olmsted profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10437) · FFIEC NIC profile (RSSD 413347)