Fwbank: 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, Yield on securities rose 0.32 percentage points in Q2 2026 to 4.43%, the biggest move on this page. On net interest margin, Fwbank ranks 11th highest among the 323 banks headquartered in Illinois, at 5.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Fwbank sits 1.13 points higher, at 5.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.35% |
| Yield on loans | 7.44% |
| Yield on securities | 4.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.08% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $629K |
| Interest expense on deposits | $629K |
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 | 5.84% | 1.27% | 4.80% | 7.23% | 2.17% |
| Q4 2023 | 6.97% | 1.40% | 5.81% | 8.39% | 2.62% |
| Q1 2024 | 7.20% | 1.99% | 5.51% | 9.16% | 2.16% |
| Q2 2024 | 7.05% | 2.20% | 5.14% | 8.02% | 2.58% |
| Q3 2024 | 7.14% | 2.05% | 5.36% | 8.09% | 2.44% |
| Q4 2024 | 6.85% | 1.84% | 5.26% | 7.91% | 2.76% |
| Q1 2025 | 6.50% | 1.67% | 4.96% | 7.45% | 3.12% |
| Q2 2025 | 6.68% | 1.78% | 5.12% | 7.65% | 3.27% |
| Q3 2025 | 6.52% | 1.66% | 5.06% | 7.17% | 4.13% |
| Q4 2025 | 6.45% | 1.54% | 5.10% | 7.40% | 3.97% |
| Q1 2026 | 6.24% | 1.35% | 5.03% | 7.31% | 4.11% |
| Q2 2026 | 6.35% | 1.41% | 5.08% | 7.44% | 4.43% |
Fwbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fwbank, 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 Fwbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59195) · FFIEC NIC profile (RSSD 5435988)