Grundy 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.33 percentage points to 3.31%. Among 323 Illinois banks, Grundy Bank sits 20th from the top on net interest margin, 4.82% as of Q2 2026. Grundy Bank reported 4.82% on net interest margin for Q2 2026, 0.87 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.65% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.85% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.82% |
| Yield to cost spread | 4.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $724K |
| Interest expense on deposits | $724K |
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 | 5.31% | 1.02% | 4.39% | 5.73% | 4.04% |
| Q4 2023 | 5.58% | 0.84% | 4.81% | 5.75% | 4.51% |
| Q1 2024 | 5.53% | 0.79% | 4.80% | 5.89% | 4.55% |
| Q2 2024 | 5.77% | 0.79% | 5.06% | 6.06% | 4.73% |
| Q3 2024 | 5.67% | 1.40% | 4.38% | 6.29% | 4.74% |
| Q4 2024 | 5.97% | 0.94% | 5.14% | 6.33% | 4.61% |
| Q1 2025 | 5.65% | 0.74% | 4.99% | 6.28% | 4.27% |
| Q2 2025 | 5.75% | 1.03% | 4.81% | 6.54% | 4.26% |
| Q3 2025 | 5.86% | 1.17% | 4.81% | 6.69% | 4.07% |
| Q4 2025 | 5.96% | 0.92% | 5.15% | 6.65% | 3.89% |
| Q1 2026 | 5.63% | 0.74% | 4.98% | 6.52% | 3.63% |
| Q2 2026 | 5.57% | 0.85% | 4.82% | 6.65% | 3.66% |
Grundy 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 Grundy 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 Grundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3713) · FFIEC NIC profile (RSSD 715144)