INB, N.A.: 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 rose 5.1% to $14.0M. Within Illinois, INB, N.A. is 251st of 323 on net interest margin, 3.22% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. INB, N.A. sits 0.49 points lower, at 3.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.75% |
| Cost of borrowings | 3.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.2M |
| Total interest expense | $14.0M |
| Interest expense on deposits | $14.0M |
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 | 4.88% | 2.61% | 2.50% |
| Q4 2023 | 5.31% | 2.80% | 2.69% |
| Q1 2024 | 5.30% | 2.77% | 2.69% |
| Q2 2024 | 5.40% | 2.91% | 2.67% |
| Q3 2024 | 5.67% | 3.09% | 2.74% |
| Q4 2024 | 5.70% | 2.89% | 2.96% |
| Q1 2025 | 5.52% | 2.71% | 2.96% |
| Q2 2025 | 5.66% | 2.68% | 3.10% |
| Q3 2025 | 5.72% | 2.72% | 3.12% |
| Q4 2025 | 5.56% | 2.59% | 3.11% |
| Q1 2026 | 5.43% | 2.30% | 3.24% |
| Q2 2026 | 5.43% | 2.33% | 3.22% |
INB, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock INB, N.A., 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 INB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3664) · FFIEC NIC profile (RSSD 925037)