The Iuka 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 standout move of Q2 2026 was in Net interest margin: 0.57 percentage points higher than in Q1 2026, at 4.80%. On net interest margin, The Iuka State Bank ranks 21st highest among the 323 banks headquartered in Illinois, at 4.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Iuka State Bank sits 0.85 points higher, at 4.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.91% |
| Yield on loans | 7.59% |
| Yield on securities | 1.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.65% |
| Cost of interest-bearing deposits | 2.72% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $697K |
| Interest expense on deposits | $635K |
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 | 6.38% | 2.15% | 4.38% | 7.11% | 1.87% |
| Q4 2023 | 6.73% | 2.34% | 4.54% | 7.42% | 2.13% |
| Q1 2024 | 6.87% | 2.38% | 4.66% | 7.61% | 2.24% |
| Q2 2024 | 7.08% | 2.85% | 4.45% | 7.78% | 2.24% |
| Q3 2024 | 7.31% | 2.86% | 4.65% | 8.06% | 2.30% |
| Q4 2024 | 7.41% | 2.83% | 4.78% | 8.18% | 2.34% |
| Q1 2025 | 7.14% | 2.61% | 4.73% | 7.89% | 2.24% |
| Q2 2025 | 7.23% | 2.79% | 4.80% | 7.98% | 2.24% |
| Q3 2025 | 7.41% | 3.02% | 4.85% | 8.14% | 2.18% |
| Q4 2025 | 6.39% | 2.88% | 3.88% | 7.07% | 1.04% |
| Q1 2026 | 6.41% | 2.56% | 4.23% | 7.02% | 2.22% |
| Q2 2026 | 6.91% | 2.65% | 4.80% | 7.59% | 1.99% |
The Iuka 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 The Iuka 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 The Iuka State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11317) · FFIEC NIC profile (RSSD 233442)