Foresight 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.
In Q2 2026, Yield on loans edged up by 0.12 percentage points, from 6.27% to 6.39%, the largest move among the key lines here. Foresight Bank ranks 166th of 323 Illinois banks on net interest margin, in the lower half at 3.66% (Q2 2026). At 3.66%, Foresight Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 6.39% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | 2.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.9M |
| Total interest expense | $6.8M |
| Interest expense on deposits | $6.6M |
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 | 4.88% | 2.00% | 3.03% | 5.42% | 2.48% |
| Q4 2023 | 5.20% | 2.17% | 3.18% | 5.81% | 2.54% |
| Q1 2024 | 5.33% | 2.31% | 3.20% | 5.97% | 2.73% |
| Q2 2024 | 5.60% | 2.37% | 3.38% | 6.29% | 2.85% |
| Q3 2024 | 5.66% | 2.44% | 3.33% | 6.35% | 2.84% |
| Q4 2024 | 5.33% | 2.36% | 3.09% | 5.96% | 2.95% |
| Q1 2025 | 5.41% | 2.21% | 3.32% | 6.25% | 3.18% |
| Q2 2025 | 9.42% | 4.03% | 5.88% | 11.18% | 4.38% |
| Q3 2025 | 5.35% | 2.03% | 3.45% | 6.34% | 2.51% |
| Q4 2025 | 5.44% | 1.99% | 3.59% | 6.51% | 2.70% |
| Q1 2026 | 5.28% | 1.83% | 3.60% | 6.27% | 2.86% |
| Q2 2026 | 5.33% | 1.80% | 3.66% | 6.39% | 2.92% |
Foresight 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 Foresight 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5749) · FFIEC NIC profile (RSSD 556936)