Illini 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.21 percentage points to 3.20%. Illini State Bank ranks 259th of 323 Illinois banks on net interest margin, in the lower half at 3.20% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Illini State Bank sits 0.75 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.24% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $735K |
| Interest expense on deposits | $524K |
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 | 3.94% | 2.07% | 2.18% | 5.04% | 1.66% |
| Q4 2023 | 4.24% | 2.31% | 2.36% | 5.36% | 1.76% |
| Q1 2024 | 4.41% | 2.14% | 2.53% | 5.55% | 1.76% |
| Q2 2024 | 4.39% | 2.21% | 2.44% | 5.43% | 1.69% |
| Q3 2024 | 4.56% | 2.50% | 2.36% | 5.73% | 1.75% |
| Q4 2024 | 4.82% | 2.27% | 2.82% | 6.08% | 1.73% |
| Q1 2025 | 4.27% | 2.15% | 2.37% | 5.15% | 1.96% |
| Q2 2025 | 4.58% | 2.16% | 2.68% | 5.67% | 1.96% |
| Q3 2025 | 4.63% | 2.21% | 2.68% | 5.80% | 1.99% |
| Q4 2025 | 4.73% | 2.24% | 2.77% | 5.88% | 2.19% |
| Q1 2026 | 4.82% | 2.12% | 2.99% | 6.05% | 2.26% |
| Q2 2026 | 4.94% | 1.99% | 3.20% | 6.24% | 2.30% |
Illini 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 Illini 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 Illini State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10788) · FFIEC NIC profile (RSSD 180845)