First State Bank of St. Peter: 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, Yield on loans edged up by 0.07 percentage points, from 6.55% to 6.62%, the largest move among the key lines here. Within Illinois, First State Bank of St. Peter is 96th of 323 on net interest margin, 4.04% as of Q2 2026, above the middle of the field. First State Bank of St. Peter reported 4.04% on net interest margin for Q2 2026, 0.15 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 6.62% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.76% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $126K |
| Total interest expense | $47K |
| Interest expense on deposits | $47K |
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 | 3.98% | 0.63% | 3.44% | 6.42% | 2.85% |
| Q4 2023 | 4.04% | 0.63% | 3.51% | 6.29% | 2.94% |
| Q1 2024 | 3.99% | 0.82% | 3.30% | 6.37% | 2.92% |
| Q2 2024 | 4.06% | 0.71% | 3.46% | 6.40% | 2.92% |
| Q3 2024 | 4.11% | 0.71% | 3.52% | 6.61% | 2.92% |
| Q4 2024 | 4.13% | 0.78% | 3.50% | 6.48% | 3.00% |
| Q1 2025 | 4.23% | 0.75% | 3.61% | 6.57% | 3.33% |
| Q2 2025 | 4.39% | 0.71% | 3.79% | 6.76% | 3.46% |
| Q3 2025 | 4.47% | 0.76% | 3.83% | 6.66% | 3.55% |
| Q4 2025 | 4.83% | 0.80% | 4.18% | 6.61% | 4.15% |
| Q1 2026 | 4.68% | 0.76% | 4.05% | 6.55% | 3.99% |
| Q2 2026 | 4.67% | 0.76% | 4.04% | 6.62% | 4.03% |
First State Bank of St. Peter 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 St. Peter, 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 St. Peter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11302) · FFIEC NIC profile (RSSD 426141)