Lasalle 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, Net interest margin rose 0.15 percentage points in Q2 2026 to 2.87%, the biggest move on this page. Lasalle State Bank has the 30th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.87% as of Q2 2026. Lasalle State Bank reported 2.87% on net interest margin for Q2 2026, 1.08 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 6.24% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 2.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $739K |
| Interest expense on deposits | $642K |
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 | 3.67% | 1.13% | 2.61% | 5.39% | 2.19% |
| Q4 2023 | 3.72% | 1.51% | 2.32% | 5.33% | 2.26% |
| Q1 2024 | 3.80% | 1.69% | 2.23% | 5.39% | 2.41% |
| Q2 2024 | 3.94% | 1.80% | 2.26% | 5.45% | 2.59% |
| Q3 2024 | 4.00% | 1.93% | 2.19% | 5.78% | 2.40% |
| Q4 2024 | 4.10% | 1.92% | 2.30% | 5.90% | 2.36% |
| Q1 2025 | 4.18% | 1.86% | 2.41% | 5.97% | 2.48% |
| Q2 2025 | 4.44% | 1.81% | 2.72% | 6.19% | 2.71% |
| Q3 2025 | 4.28% | 1.82% | 2.55% | 6.25% | 2.40% |
| Q4 2025 | 4.61% | 1.79% | 2.94% | 6.62% | 2.66% |
| Q1 2026 | 4.35% | 1.73% | 2.72% | 6.12% | 2.73% |
| Q2 2026 | 4.47% | 1.71% | 2.87% | 6.24% | 2.85% |
Lasalle 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 Lasalle 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 Lasalle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12410) · FFIEC NIC profile (RSSD 956134)