Great Rivers 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: 4.00 percentage points lower than in Q1 2026, at 0.00%. Great Rivers Bank ranks 58th of 323 Illinois banks on net interest margin, in the upper half at 4.30% (Q2 2026). Great Rivers Bank reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.50% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.28% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $823K |
| Interest expense on deposits | $823K |
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 | 5.06% | 1.41% | 3.77% | 5.64% | 1.47% |
| Q4 2023 | 5.30% | 1.88% | 3.59% | 5.83% | 1.61% |
| Q1 2024 | 5.53% | 2.03% | 3.69% | 6.06% | 2.06% |
| Q2 2024 | 5.79% | 1.97% | 4.00% | 6.38% | 1.82% |
| Q3 2024 | 6.00% | 2.40% | 3.83% | 6.52% | 2.53% |
| Q4 2024 | 6.00% | 2.32% | 3.93% | 6.49% | 2.64% |
| Q1 2025 | 5.85% | 2.20% | 3.88% | 6.37% | 2.39% |
| Q2 2025 | 6.04% | 2.18% | 4.12% | 6.50% | 2.91% |
| Q3 2025 | 6.12% | 2.36% | 4.05% | 6.60% | 2.89% |
| Q4 2025 | 6.06% | 2.29% | 4.04% | 6.56% | 2.83% |
| Q1 2026 | 5.96% | 2.10% | 4.14% | 6.39% | 3.33% |
| Q2 2026 | 6.04% | 2.06% | 4.30% | 6.50% | 3.50% |
Great Rivers 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 Great Rivers 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 Great Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3762) · FFIEC NIC profile (RSSD 857941)