The Gerber State 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 standout move of Q2 2026 was in Cost of borrowings: 37.26 percentage points lower than in Q1 2026, at 77.83%. The Gerber State Bank ranks 253rd of 323 Illinois banks on net interest margin, in the lower half at 3.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. The Gerber State Bank sits 0.73 points lower, at 3.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.43% |
| Yield on loans | 5.69% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.35% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | 77.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $670K |
| Total interest expense | $307K |
| Interest expense on deposits | $228K |
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 | 3.51% | 0.71% | 2.88% | 4.99% | 2.35% |
| Q4 2023 | 3.72% | 0.93% | 2.89% | 5.28% | 2.42% |
| Q1 2024 | 3.87% | 0.95% | 3.02% | 5.39% | 2.45% |
| Q2 2024 | 3.91% | 1.12% | 3.00% | 5.54% | 2.44% |
| Q3 2024 | 4.03% | 1.40% | 2.81% | 5.63% | 2.45% |
| Q4 2024 | 4.03% | 1.32% | 2.86% | 5.66% | 2.57% |
| Q1 2025 | 4.02% | 1.13% | 3.04% | 5.66% | 2.62% |
| Q2 2025 | 4.02% | 1.11% | 3.06% | 5.59% | 2.63% |
| Q3 2025 | 4.22% | 1.14% | 3.30% | 5.77% | 2.75% |
| Q4 2025 | 4.61% | 1.70% | 3.20% | 6.20% | 3.02% |
| Q1 2026 | 4.46% | 1.47% | 3.30% | 5.95% | 3.14% |
| Q2 2026 | 4.43% | 1.53% | 3.21% | 5.69% | 3.22% |
The Gerber State 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 Gerber State 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 Gerber State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 899) · FFIEC NIC profile (RSSD 663638)