Lakeside 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, Net interest margin rose 0.26 percentage points in Q2 2026 to 4.02%, the biggest move on this page. Lakeside Bank ranks 99th of 323 Illinois banks on net interest margin, in the upper half at 4.02% (Q2 2026). Lakeside Bank reported 4.02% on net interest margin for Q2 2026, 0.31 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.97% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.7M |
| Total interest expense | $14.9M |
| Interest expense on deposits | $14.2M |
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 | 5.91% | 2.78% | 3.37% |
| Q4 2023 | 5.57% | 3.02% | 2.80% |
| Q1 2024 | 5.81% | 3.18% | 2.88% |
| Q2 2024 | 5.98% | 3.25% | 3.01% |
| Q3 2024 | 6.17% | 3.27% | 3.17% |
| Q4 2024 | 6.14% | 3.04% | 3.36% |
| Q1 2025 | 5.96% | 2.82% | 3.38% |
| Q2 2025 | 6.30% | 2.82% | 3.72% |
| Q3 2025 | 6.18% | 2.80% | 3.60% |
| Q4 2025 | 6.11% | 2.59% | 3.71% |
| Q1 2026 | 5.98% | 2.41% | 3.76% |
| Q2 2026 | 6.19% | 2.38% | 4.02% |
Lakeside 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 Lakeside 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 Lakeside Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19573) · FFIEC NIC profile (RSSD 201834)