Goodfield 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.
Total interest expense rose 5.1% from Q1 2026 to Q2 2026, ending at $1.3M against $1.2M. It was the largest change among the key lines on this page. Goodfield State Bank ranks 62nd of 323 Illinois banks on net interest margin, in the upper half at 4.29% (Q2 2026). Goodfield State Bank reported 4.29% on net interest margin for Q2 2026, 0.35 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 6.77% |
| Yield on securities | 3.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 4.97% | 1.24% | 3.82% | 5.39% | 2.30% |
| Q4 2023 | 5.21% | 1.43% | 3.89% | 5.66% | 2.46% |
| Q1 2024 | 5.28% | 1.81% | 3.59% | 5.73% | 2.45% |
| Q2 2024 | 5.49% | 2.06% | 3.59% | 5.95% | 2.50% |
| Q3 2024 | 5.70% | 2.10% | 3.76% | 6.21% | 2.55% |
| Q4 2024 | 5.79% | 2.19% | 3.75% | 6.32% | 2.60% |
| Q1 2025 | 5.85% | 2.07% | 3.93% | 6.32% | 2.74% |
| Q2 2025 | 6.05% | 2.11% | 4.11% | 6.49% | 2.95% |
| Q3 2025 | 6.18% | 2.12% | 4.23% | 6.60% | 3.03% |
| Q4 2025 | 6.09% | 1.98% | 4.25% | 6.71% | 3.03% |
| Q1 2026 | 5.91% | 1.92% | 4.12% | 6.64% | 3.06% |
| Q2 2026 | 6.13% | 1.97% | 4.29% | 6.77% | 3.11% |
Goodfield 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 Goodfield 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 Goodfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11699) · FFIEC NIC profile (RSSD 936837)