Grand Ridge National 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 Yield on securities: 5.63 percentage points lower than in Q1 2026, at 0.00%. Among 323 Illinois banks, Grand Ridge National Bank sits 4th from the top on net interest margin, 5.48% as of Q2 2026. Grand Ridge National Bank reported 5.48% on net interest margin for Q2 2026, 1.53 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.41% |
| Yield on loans | 8.40% |
| Yield on securities | 0.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.48% |
| Yield to cost spread | 4.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.1M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 7.14% | 1.64% | 5.69% | 7.41% | 0.00% |
| Q4 2023 | 7.03% | 2.00% | 5.34% | 7.39% | 7.21% |
| Q1 2024 | 7.12% | 2.33% | 5.08% | 7.46% | 3.74% |
| Q2 2024 | 7.81% | 2.65% | 5.46% | 8.25% | 4.00% |
| Q3 2024 | 7.39% | 2.76% | 4.99% | 7.81% | 4.12% |
| Q4 2024 | 7.76% | 2.61% | 5.51% | 8.46% | 4.35% |
| Q1 2025 | 7.21% | 2.49% | 5.03% | 7.97% | 4.60% |
| Q2 2025 | 7.22% | 2.49% | 5.04% | 8.11% | 4.88% |
| Q3 2025 | 7.27% | 2.51% | 5.03% | 8.14% | 5.13% |
| Q4 2025 | 7.04% | 2.39% | 4.98% | 8.08% | 0.00% |
| Q1 2026 | 7.24% | 2.24% | 5.30% | 8.15% | 5.63% |
| Q2 2026 | 7.41% | 2.23% | 5.48% | 8.40% | 0.00% |
Grand Ridge National 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 Grand Ridge National 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 Grand Ridge National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3674) · FFIEC NIC profile (RSSD 875132)