First State Bank of Van Orin: 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 0.10 percentage points, from 2.51% to 2.61%, the largest move among the key lines here. First State Bank of Van Orin has the 11th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.61% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. First State Bank of Van Orin sits 1.28 points lower, at 2.61% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.80% |
| Yield on loans | 6.69% |
| Yield on securities | 2.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.61% |
| Yield to cost spread | 2.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $197K |
| Total interest expense | $113K |
| Interest expense on deposits | $113K |
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 | 3.51% | 1.02% | 2.43% | 5.95% | 2.20% |
| Q4 2023 | 3.58% | 1.08% | 2.42% | 6.05% | 2.20% |
| Q1 2024 | 3.91% | 1.15% | 2.74% | 6.46% | 2.19% |
| Q2 2024 | 4.10% | 1.26% | 2.78% | 6.58% | 2.23% |
| Q3 2024 | 3.72% | 1.34% | 2.39% | 6.61% | 1.98% |
| Q4 2024 | 3.89% | 1.44% | 2.49% | 7.04% | 1.98% |
| Q1 2025 | 3.69% | 1.38% | 2.36% | 6.57% | 2.05% |
| Q2 2025 | 3.93% | 1.19% | 2.81% | 6.60% | 2.13% |
| Q3 2025 | 3.87% | 1.20% | 2.73% | 6.69% | 2.08% |
| Q4 2025 | 3.86% | 1.23% | 2.67% | 6.69% | 2.12% |
| Q1 2026 | 3.67% | 1.20% | 2.51% | 6.63% | 2.12% |
| Q2 2026 | 3.80% | 1.25% | 2.61% | 6.69% | 2.12% |
First State Bank of Van Orin 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 Van Orin, 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 Van Orin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10809) · FFIEC NIC profile (RSSD 472148)