Kinmundy 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.
Yield on securities rose 0.34 percentage points from Q1 2026 to Q2 2026, ending at 3.37% against 3.03%. It was the largest change among the key lines on this page. Kinmundy Bank ranks 39th of 323 Illinois banks on net interest margin, in the upper half at 4.52% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Kinmundy Bank sits 0.63 points higher, at 4.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 7.21% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.24% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.52% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $898K |
| Total interest expense | $282K |
| Interest expense on deposits | $282K |
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 | 5.09% | 0.91% | 4.27% | 6.74% | 2.04% |
| Q4 2023 | 5.28% | 1.22% | 4.19% | 6.69% | 2.05% |
| Q1 2024 | 5.33% | 1.39% | 4.08% | 6.62% | 2.20% |
| Q2 2024 | 5.65% | 1.33% | 4.43% | 6.88% | 2.20% |
| Q3 2024 | 5.79% | 1.42% | 4.52% | 7.05% | 2.41% |
| Q4 2024 | 5.82% | 1.47% | 4.50% | 6.92% | 2.82% |
| Q1 2025 | 5.75% | 1.31% | 4.58% | 7.05% | 2.36% |
| Q2 2025 | 5.93% | 1.43% | 4.65% | 7.09% | 2.73% |
| Q3 2025 | 6.12% | 1.69% | 4.63% | 7.24% | 2.90% |
| Q4 2025 | 6.10% | 1.49% | 4.78% | 7.28% | 3.12% |
| Q1 2026 | 5.79% | 1.60% | 4.38% | 7.04% | 3.03% |
| Q2 2026 | 6.02% | 1.67% | 4.52% | 7.21% | 3.37% |
Kinmundy 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 Kinmundy 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 Kinmundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3805) · FFIEC NIC profile (RSSD 489249)