Flora Bank & Trust: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.05 percentage points between Q1 2026 and Q2 2026, to 2.88%. On net interest margin, Flora Bank & Trust is 31st from the bottom among 323 Illinois banks, 2.88% (Q2 2026). Flora Bank & Trust reported 2.88% on net interest margin for Q2 2026, 1.07 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.88% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $561K |
| Interest expense on deposits | $560K |
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 | 3.92% | 1.52% | 2.44% |
| Q4 2023 | 4.15% | 3.68% | 0.57% |
| Q1 2024 | 4.19% | 2.58% | 1.66% |
| Q2 2024 | 4.30% | 2.60% | 1.76% |
| Q3 2024 | 4.49% | 2.83% | 1.74% |
| Q4 2024 | 4.66% | 3.02% | 1.96% |
| Q1 2025 | 4.56% | 2.38% | 2.23% |
| Q2 2025 | 4.60% | 2.62% | 2.31% |
| Q3 2025 | 4.65% | 2.32% | 2.41% |
| Q4 2025 | 4.82% | 2.16% | 2.72% |
| Q1 2026 | 4.71% | 1.92% | 2.83% |
| Q2 2026 | 4.74% | 1.90% | 2.88% |
Flora Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Flora Bank & Trust, 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 Flora Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)