GN 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.
Yield on loans dropped 1.16 percentage points in Q2 2026, from 6.18% to 5.02%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, GN Bank is 128th of 323 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. At 3.87%, GN Bank's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.78% |
| Yield on loans | 5.02% |
| Yield on securities | 4.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.15% |
| Cost of interest-bearing liabilities | 1.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $322K |
| Total interest expense | $131K |
| Interest expense on deposits | $131K |
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 | 7.58% | 0.31% | 7.30% | 7.41% | 3.53% |
| Q4 2023 | 4.75% | 0.42% | 4.37% | 6.19% | 3.36% |
| Q1 2024 | 5.44% | 0.64% | 4.86% | 5.62% | 4.80% |
| Q2 2024 | 5.36% | 0.83% | 4.64% | 5.45% | 4.34% |
| Q3 2024 | 5.25% | 1.06% | 4.34% | 5.53% | 4.41% |
| Q4 2024 | 5.15% | 1.10% | 4.17% | 5.64% | 4.45% |
| Q1 2025 | 4.70% | 0.96% | 3.85% | 5.06% | 4.39% |
| Q2 2025 | 5.01% | 1.12% | 4.01% | 5.50% | 4.46% |
| Q3 2025 | 5.32% | 1.15% | 4.34% | 6.81% | 4.48% |
| Q4 2025 | 5.26% | 1.19% | 4.24% | 5.98% | 4.46% |
| Q1 2026 | 4.99% | 1.15% | 4.05% | 6.18% | 4.36% |
| Q2 2026 | 4.78% | 1.04% | 3.87% | 5.02% | 4.56% |
GN 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 GN 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 GN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29399) · FFIEC NIC profile (RSSD 250476)