First State Bank Shannon-Polo: 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 Q2 2026, Net interest margin rose 0.37 percentage points in Q3 2026 to 3.35%, the biggest move on this page. Within Illinois, First State Bank Shannon-Polo is 228th of 323 on net interest margin, 3.35% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First State Bank Shannon-Polo sits 0.60 points lower, at 3.35% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 5.98% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | 2.04% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.35% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $602K |
| Interest expense on deposits | $579K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.07% | 1.59% | 2.58% | 5.16% | 1.81% |
| Q1 2024 | 4.10% | 1.57% | 2.64% | 5.26% | 1.84% |
| Q2 2024 | 4.14% | 1.69% | 2.58% | 5.40% | 1.83% |
| Q3 2024 | 4.20% | 1.80% | 2.52% | 5.46% | 1.83% |
| Q4 2024 | 4.20% | 1.85% | 2.48% | 5.50% | 1.92% |
| Q1 2025 | 4.15% | 1.62% | 2.65% | 5.47% | 2.02% |
| Q2 2025 | 4.27% | 1.56% | 2.84% | 5.62% | 2.17% |
| Q3 2025 | 4.37% | 1.54% | 2.95% | 5.75% | 2.26% |
| Q4 2025 | 4.47% | 1.52% | 3.06% | 5.84% | 2.42% |
| Q1 2026 | 4.61% | 1.42% | 3.30% | 6.03% | 2.55% |
| Q2 2026 | 4.26% | 1.40% | 2.98% | 5.29% | 2.56% |
| Q3 2026 | 4.64% | 1.41% | 3.35% | 5.98% | 2.57% |
First State Bank Shannon-Polo 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 Shannon-Polo, 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 Shannon-Polo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)