Ipava 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 borrowings fell 0.50 percentage points in Q2 2026 to 3.83%, the biggest move on this page. Ipava State Bank ranks 65th of 323 Illinois banks on net interest margin, in the upper half at 4.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Ipava State Bank sits 0.33 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 6.46% |
| Yield on securities | 3.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $669K |
| Interest expense on deposits | $667K |
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 | 5.01% | 1.31% | 3.76% | 5.73% | 2.91% |
| Q4 2023 | 5.08% | 1.61% | 3.53% | 5.86% | 2.70% |
| Q1 2024 | 5.22% | 1.66% | 3.62% | 5.94% | 3.16% |
| Q2 2024 | 5.22% | 1.68% | 3.62% | 5.96% | 3.12% |
| Q3 2024 | 5.37% | 1.77% | 3.69% | 6.09% | 3.32% |
| Q4 2024 | 4.99% | 1.63% | 3.44% | 6.15% | 1.57% |
| Q1 2025 | 5.23% | 1.54% | 3.75% | 6.09% | 2.75% |
| Q2 2025 | 5.46% | 1.57% | 3.97% | 6.35% | 2.81% |
| Q3 2025 | 5.73% | 1.59% | 4.24% | 6.48% | 3.44% |
| Q4 2025 | 5.74% | 1.60% | 4.23% | 6.53% | 3.36% |
| Q1 2026 | 5.63% | 1.49% | 4.23% | 6.44% | 3.39% |
| Q2 2026 | 5.66% | 1.45% | 4.27% | 6.46% | 3.62% |
Ipava 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 Ipava 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 Ipava State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10473) · FFIEC NIC profile (RSSD 760434)