Hometown National 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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.21% against 3.06%. It was the largest change among the key lines on this page. Within Illinois, Hometown National Bank is 254th of 323 on net interest margin, 3.21% as of Q2 2026, below the middle of the field. Hometown National Bank reported 3.21% on net interest margin for Q2 2026, 0.74 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.43% |
| Yield on loans | 5.61% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.76% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $935K |
| Interest expense on deposits | $881K |
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 | 3.95% | 1.40% | 2.66% | 4.63% | 2.45% |
| Q4 2023 | 4.33% | 1.55% | 2.91% | 5.05% | 2.66% |
| Q1 2024 | 4.18% | 1.64% | 2.69% | 4.90% | 2.84% |
| Q2 2024 | 4.29% | 1.71% | 2.72% | 5.01% | 3.19% |
| Q3 2024 | 4.42% | 1.82% | 2.76% | 5.20% | 3.36% |
| Q4 2024 | 4.49% | 1.77% | 2.87% | 5.40% | 3.29% |
| Q1 2025 | 4.28% | 1.60% | 2.81% | 5.23% | 3.24% |
| Q2 2025 | 4.41% | 1.44% | 3.07% | 5.55% | 3.15% |
| Q3 2025 | 4.55% | 1.46% | 3.21% | 5.73% | 3.21% |
| Q4 2025 | 4.37% | 1.43% | 3.05% | 5.81% | 2.87% |
| Q1 2026 | 4.29% | 1.34% | 3.06% | 5.45% | 3.15% |
| Q2 2026 | 4.43% | 1.34% | 3.21% | 5.61% | 3.20% |
Hometown National 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 Hometown National 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 Hometown National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3691) · FFIEC NIC profile (RSSD 770639)