The FNB Community 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.
Cost of borrowings rose 0.42 percentage points from Q1 2026 to Q2 2026, ending at 2.99% against 2.57%. It was the largest change among the key lines on this page. Within Illinois, The FNB Community Bank is 166th of 323 on net interest margin, 3.66% as of Q2 2026, below the middle of the field. The FNB Community Bank reported 3.66% on net interest margin for Q2 2026, 0.29 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | 6.41% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 2.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 3.94% | 1.29% | 2.75% | 5.25% | 2.57% |
| Q4 2023 | 4.06% | 1.58% | 2.60% | 5.39% | 2.59% |
| Q1 2024 | 4.16% | 1.77% | 2.53% | 5.48% | 2.61% |
| Q2 2024 | 4.28% | 1.88% | 2.56% | 5.66% | 2.58% |
| Q3 2024 | 4.37% | 1.86% | 2.65% | 5.79% | 2.58% |
| Q4 2024 | 4.47% | 1.85% | 2.78% | 5.91% | 2.58% |
| Q1 2025 | 4.49% | 1.65% | 2.97% | 5.87% | 2.59% |
| Q2 2025 | 4.64% | 1.57% | 3.20% | 6.10% | 2.61% |
| Q3 2025 | 4.78% | 1.57% | 3.33% | 6.30% | 2.63% |
| Q4 2025 | 4.89% | 1.57% | 3.45% | 6.43% | 2.65% |
| Q1 2026 | 4.85% | 1.50% | 3.47% | 6.18% | 2.62% |
| Q2 2026 | 5.01% | 1.48% | 3.66% | 6.41% | 2.59% |
The FNB Community 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 The FNB Community 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 The FNB Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3840) · FFIEC NIC profile (RSSD 137447)