Morton Community 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.
In Q2 2026, Cost of borrowings edged up by 0.19 percentage points, from 3.65% to 3.84%, the largest move among the key lines here. Within Illinois, Morton Community Bank is 218th of 323 on net interest margin, 3.41% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Morton Community Bank sits 0.30 points lower, at 3.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.09% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.14% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $53.3M |
| Total interest expense | $20.5M |
| Interest expense on deposits | $19.0M |
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 | 4.44% | 1.39% | 2.89% | 5.53% | 2.34% |
| Q4 2023 | 4.62% | 1.60% | 2.84% | 5.71% | 2.43% |
| Q1 2024 | 4.69% | 1.74% | 2.75% | 5.73% | 2.49% |
| Q2 2024 | 4.76% | 1.83% | 2.76% | 5.85% | 2.40% |
| Q3 2024 | 4.95% | 1.88% | 2.89% | 6.09% | 2.44% |
| Q4 2024 | 4.88% | 1.79% | 2.92% | 5.98% | 2.47% |
| Q1 2025 | 4.79% | 1.71% | 2.92% | 5.85% | 2.45% |
| Q2 2025 | 4.92% | 1.72% | 3.04% | 6.02% | 2.50% |
| Q3 2025 | 5.02% | 1.68% | 3.18% | 6.12% | 2.54% |
| Q4 2025 | 5.04% | 1.54% | 3.35% | 6.17% | 2.52% |
| Q1 2026 | 4.92% | 1.42% | 3.34% | 6.01% | 2.54% |
| Q2 2026 | 4.99% | 1.57% | 3.41% | 6.09% | 2.58% |
Morton Community 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 Morton Community 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 Morton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18429) · FFIEC NIC profile (RSSD 825146)