Millennium 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, Cost of borrowings fell 0.60 percentage points in Q2 2026 to 3.47%, the biggest move on this page. Within Illinois, Millennium Bank is 280th of 323 on net interest margin, 3.05% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Millennium Bank sits 0.90 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 6.75% |
| Yield on securities | 3.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.40% |
| Cost of interest-bearing deposits | 3.62% |
| Cost of interest-bearing liabilities | 3.54% |
| Cost of borrowings | 3.47% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.3M |
| Total interest expense | $6.3M |
| Interest expense on deposits | $5.9M |
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 | 7.55% | 3.99% | 4.15% | 8.34% | 4.02% |
| Q4 2023 | 7.53% | 4.38% | 3.68% | 8.47% | 4.12% |
| Q1 2024 | 7.20% | 4.31% | 3.39% | 8.00% | 4.06% |
| Q2 2024 | 6.95% | 4.38% | 3.09% | 7.55% | 4.22% |
| Q3 2024 | 7.21% | 4.43% | 3.29% | 7.89% | 4.26% |
| Q4 2024 | 7.39% | 4.40% | 3.40% | 8.18% | 4.29% |
| Q1 2025 | 6.73% | 3.90% | 3.14% | 7.38% | 4.27% |
| Q2 2025 | 6.75% | 3.95% | 3.09% | 7.27% | 4.32% |
| Q3 2025 | 6.81% | 3.91% | 3.16% | 7.46% | 4.34% |
| Q4 2025 | 6.17% | 3.57% | 2.88% | 6.65% | 4.22% |
| Q1 2026 | 6.11% | 3.42% | 2.97% | 6.59% | 3.57% |
| Q2 2026 | 6.20% | 3.40% | 3.05% | 6.75% | 3.65% |
Millennium 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 Millennium 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 Millennium Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58348) · FFIEC NIC profile (RSSD 3547896)