Fortress 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.
Compared with Q1 2026, Net interest margin fell 0.36 percentage points in Q2 2026 to 3.25%, the biggest move on this page. Within Illinois, Fortress Bank is 248th of 323 on net interest margin, 3.25% as of Q2 2026, below the middle of the field. Fortress Bank reported 3.25% on net interest margin for Q2 2026, 0.70 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.00% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.59% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.25% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.4M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.1M |
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 | 5.80% | 2.77% | 3.21% | 6.35% | 2.14% |
| Q4 2023 | 5.90% | 3.05% | 3.04% | 6.44% | 2.20% |
| Q1 2024 | 5.90% | 3.08% | 2.97% | 6.46% | 2.22% |
| Q2 2024 | 6.05% | 3.17% | 3.05% | 6.61% | 2.32% |
| Q3 2024 | 6.10% | 3.19% | 3.10% | 6.66% | 2.45% |
| Q4 2024 | 6.13% | 3.05% | 3.23% | 6.55% | 2.46% |
| Q1 2025 | 6.03% | 2.85% | 3.32% | 6.31% | 2.57% |
| Q2 2025 | 5.91% | 2.89% | 3.11% | 6.12% | 2.77% |
| Q3 2025 | 6.91% | 2.95% | 4.08% | 7.27% | 3.45% |
| Q4 2025 | 6.63% | 2.82% | 3.90% | 7.02% | 2.93% |
| Q1 2026 | 6.11% | 2.59% | 3.61% | 6.10% | 3.37% |
| Q2 2026 | 5.83% | 2.59% | 3.25% | 6.00% | 3.40% |
Fortress 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 Fortress 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 Fortress Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9632) · FFIEC NIC profile (RSSD 953535)