Hartsburg 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.
Compared with Q1 2026, Cost of interest-bearing liabilities rose 0.45 percentage points in Q2 2026 to 1.11%, the biggest move on this page. On net interest margin, Hartsburg State Bank is 20th from the bottom among 323 Illinois banks, 2.77% (Q2 2026). Hartsburg State Bank reported 2.77% on net interest margin for Q2 2026, 1.12 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.27% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.37% |
| Cost of interest-bearing deposits | 1.11% |
| Cost of interest-bearing liabilities | 1.11% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.77% |
| Yield to cost spread | 2.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $83K |
| Total interest expense | $22K |
| Interest expense on deposits | $22K |
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 |
|---|---|---|---|
| Q3 2023 | 3.13% | 0.58% | 2.56% |
| Q4 2023 | 2.58% | 0.78% | 1.70% |
| Q1 2024 | 2.92% | 0.90% | 1.93% |
| Q2 2024 | 3.34% | 0.70% | 2.49% |
| Q3 2024 | 3.40% | 0.32% | 2.99% |
| Q4 2024 | 3.31% | 0.82% | 2.24% |
| Q1 2025 | 3.41% | 0.56% | 2.78% |
| Q2 2025 | 3.34% | 0.46% | 2.76% |
| Q3 2025 | 3.41% | 0.25% | 3.09% |
| Q4 2025 | 3.35% | 0.37% | 2.86% |
| Q1 2026 | 3.20% | 0.24% | 2.87% |
| Q2 2026 | 3.27% | 0.37% | 2.77% |
Hartsburg 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 Hartsburg 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 Hartsburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11716) · FFIEC NIC profile (RSSD 799939)