Grand Rivers Community 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.
Compared with Q1 2026, Yield on securities fell 0.32 percentage points in Q2 2026 to 3.54%, the biggest move on this page. Within Illinois, Grand Rivers Community Bank is 57th of 323 on net interest margin, 4.32% as of Q2 2026, above the middle of the field. Grand Rivers Community Bank reported 4.32% on net interest margin for Q2 2026, 0.44 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 5.88% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 1.42% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 4.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $156K |
| Total interest expense | $37K |
| Interest expense on deposits | $37K |
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 | 6.65% | 1.63% | 4.96% | 7.64% | 2.48% |
| Q4 2023 | 6.52% | 1.83% | 4.80% | 7.40% | 2.46% |
| Q1 2024 | 6.12% | 1.98% | 4.23% | 7.00% | 2.64% |
| Q2 2024 | 6.52% | 1.78% | 4.85% | 7.10% | 2.42% |
| Q3 2024 | 6.66% | 1.76% | 5.01% | 7.42% | 2.74% |
| Q4 2024 | 6.67% | 1.53% | 5.23% | 7.38% | 2.08% |
| Q1 2025 | 5.72% | 1.51% | 4.31% | 6.39% | 2.61% |
| Q2 2025 | 5.58% | 1.47% | 4.21% | 6.18% | 2.30% |
| Q3 2025 | 5.20% | 1.38% | 3.92% | 5.61% | 4.30% |
| Q4 2025 | 5.60% | 1.23% | 4.44% | 6.14% | 4.09% |
| Q1 2026 | 5.48% | 1.11% | 4.39% | 5.90% | 3.86% |
| Q2 2026 | 5.39% | 1.09% | 4.32% | 5.88% | 3.54% |
Grand Rivers Community 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 Rivers Community 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 Rivers Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10816) · FFIEC NIC profile (RSSD 226949)