Holcomb 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 Total interest expense, which fell 3.9% to $1.3M. Within Illinois, Holcomb Bank is 145th of 323 on net interest margin, 3.79% as of Q2 2026. Holcomb Bank reported 3.79% on net interest margin for Q2 2026, 0.15 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.36% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.04% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 3.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $967K |
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 | 4.58% | 1.96% | 2.71% | 5.30% | 2.55% |
| Q4 2023 | 4.64% | 2.09% | 2.67% | 5.38% | 2.60% |
| Q1 2024 | 4.73% | 2.22% | 2.63% | 5.38% | 2.96% |
| Q2 2024 | 4.86% | 2.12% | 2.80% | 5.59% | 3.06% |
| Q3 2024 | 5.00% | 2.18% | 2.90% | 5.77% | 2.90% |
| Q4 2024 | 5.07% | 1.98% | 3.19% | 5.91% | 2.65% |
| Q1 2025 | 5.02% | 1.88% | 3.22% | 5.83% | 2.68% |
| Q2 2025 | 5.20% | 1.82% | 3.45% | 5.97% | 2.68% |
| Q3 2025 | 5.58% | 1.84% | 3.82% | 6.49% | 2.79% |
| Q4 2025 | 5.46% | 1.85% | 3.69% | 6.29% | 2.74% |
| Q1 2026 | 5.45% | 1.83% | 3.69% | 6.31% | 2.71% |
| Q2 2026 | 5.51% | 1.81% | 3.79% | 6.36% | 2.63% |
Holcomb 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 Holcomb 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 Holcomb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9080) · FFIEC NIC profile (RSSD 568135)