Flanagan State Bank: 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 Total interest expense, which fell 5.7% to $1.1M. Flanagan State Bank ranks 203rd of 323 Illinois banks on net interest margin, in the lower half at 3.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Flanagan State Bank sits 0.48 points lower, at 3.47% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.80% |
| Yield on securities | 2.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.16% | 1.34% | 2.86% | 6.12% | 1.97% |
| Q4 2023 | 4.13% | 1.56% | 2.63% | 6.23% | 1.67% |
| Q1 2024 | 4.40% | 1.69% | 2.79% | 6.47% | 1.94% |
| Q2 2024 | 4.59% | 1.90% | 2.75% | 6.66% | 1.90% |
| Q3 2024 | 4.78% | 2.14% | 2.70% | 6.77% | 1.88% |
| Q4 2024 | 4.83% | 2.09% | 2.83% | 6.76% | 1.89% |
| Q1 2025 | 4.68% | 1.64% | 2.97% | 6.66% | 1.66% |
| Q2 2025 | 5.04% | 1.62% | 3.33% | 6.86% | 2.12% |
| Q3 2025 | 5.05% | 1.86% | 3.25% | 6.83% | 1.95% |
| Q4 2025 | 5.14% | 1.80% | 3.41% | 6.92% | 1.94% |
| Q1 2026 | 4.90% | 1.65% | 3.31% | 6.62% | 1.99% |
| Q2 2026 | 4.99% | 1.58% | 3.47% | 6.80% | 2.02% |
Flanagan State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flanagan State Bank, 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 Flanagan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11734) · FFIEC NIC profile (RSSD 979133)