The Frederick 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.25 percentage points to 4.39%. Within Illinois, The Frederick Community Bank is 48th of 323 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The Frederick Community Bank reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.92% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $437K |
| Interest expense on deposits | $437K |
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 | 4.66% | 0.74% | 3.96% |
| Q4 2023 | 4.99% | 0.83% | 4.21% |
| Q1 2024 | 4.96% | 0.94% | 4.08% |
| Q2 2024 | 5.30% | 1.03% | 4.34% |
| Q3 2024 | 5.47% | 1.08% | 4.47% |
| Q4 2024 | 5.51% | 1.08% | 4.50% |
| Q1 2025 | 5.13% | 1.05% | 4.14% |
| Q2 2025 | 5.37% | 1.07% | 4.37% |
| Q3 2025 | 5.44% | 1.10% | 4.41% |
| Q4 2025 | 5.51% | 1.07% | 4.52% |
| Q1 2026 | 5.09% | 1.01% | 4.14% |
| Q2 2026 | 5.31% | 0.99% | 4.39% |
The Frederick 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 Frederick 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 Frederick Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10446) · FFIEC NIC profile (RSSD 687830)