The Litchfield National 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.16% against 3.02%. It was the largest change among the key lines on this page. Within Illinois, The Litchfield National Bank is 265th of 323 on net interest margin, 3.16% as of Q2 2026, below the middle of the field. The Litchfield National Bank reported 3.16% on net interest margin for Q2 2026, 0.79 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 5.96% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 2.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $493K |
| Interest expense on deposits | $451K |
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 | 3.92% | 1.26% | 2.73% | 4.98% | 1.99% |
| Q4 2023 | 4.09% | 1.60% | 2.60% | 5.22% | 2.02% |
| Q1 2024 | 4.07% | 1.73% | 2.44% | 5.20% | 1.99% |
| Q2 2024 | 4.20% | 1.83% | 2.49% | 5.29% | 2.23% |
| Q3 2024 | 4.30% | 1.94% | 2.49% | 5.51% | 2.19% |
| Q4 2024 | 4.57% | 1.89% | 2.82% | 5.91% | 2.13% |
| Q1 2025 | 4.36% | 1.78% | 2.71% | 5.60% | 2.10% |
| Q2 2025 | 4.45% | 1.82% | 2.76% | 5.71% | 2.19% |
| Q3 2025 | 4.62% | 1.79% | 2.96% | 5.93% | 2.31% |
| Q4 2025 | 4.59% | 1.75% | 2.96% | 5.91% | 2.34% |
| Q1 2026 | 4.52% | 1.61% | 3.02% | 5.84% | 2.31% |
| Q2 2026 | 4.59% | 1.55% | 3.16% | 5.96% | 2.41% |
The Litchfield National 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 Litchfield National 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 Litchfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3808) · FFIEC NIC profile (RSSD 372444)