Midwest 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.
Total interest expense rose 3.0% from Q1 2026 to Q2 2026, ending at $2.8M against $2.7M. It was the largest change among the key lines on this page. Midwest Bank ranks 222nd of 323 Illinois banks on net interest margin, in the lower half at 3.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Midwest Bank sits 0.58 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.97% |
| Yield on loans | 6.32% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 2.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.45% | 1.62% | 2.68% | 5.64% | 2.37% |
| Q4 2023 | 4.47% | 1.66% | 2.64% | 5.60% | 2.40% |
| Q1 2024 | 4.60% | 1.64% | 2.81% | 5.83% | 2.39% |
| Q2 2024 | 4.71% | 1.80% | 2.79% | 5.92% | 2.41% |
| Q3 2024 | 4.78% | 1.83% | 2.81% | 6.02% | 2.44% |
| Q4 2024 | 4.83% | 1.79% | 2.89% | 6.04% | 2.48% |
| Q1 2025 | 4.77% | 1.69% | 2.92% | 5.95% | 2.46% |
| Q2 2025 | 4.95% | 1.75% | 3.06% | 6.16% | 2.47% |
| Q3 2025 | 5.07% | 1.70% | 3.19% | 6.34% | 2.52% |
| Q4 2025 | 4.91% | 1.68% | 3.18% | 6.32% | 2.32% |
| Q1 2026 | 4.83% | 1.53% | 3.25% | 6.18% | 2.35% |
| Q2 2026 | 4.97% | 1.55% | 3.36% | 6.32% | 2.41% |
Midwest 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 Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3711) · FFIEC NIC profile (RSSD 709143)