Mutual Federal 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, Yield on loans edged up by 0.24 percentage points, from 5.37% to 5.61%, the largest move among the key lines here. Mutual Federal Bank ranks 158th of 323 Illinois banks on net interest margin, in the upper half at 3.71% (Q2 2026). Mutual Federal Bank reported 3.71% on net interest margin for Q2 2026, 0.18 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.64% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.66% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $419K |
| Interest expense on deposits | $229K |
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 | 5.19% | 2.08% | 3.36% | 5.14% | 0.00% |
| Q4 2023 | 5.22% | 2.13% | 3.38% | 5.14% | 0.00% |
| Q1 2024 | 5.17% | 2.18% | 3.29% | 5.12% | 0.00% |
| Q2 2024 | 5.73% | 2.17% | 3.87% | 5.74% | 0.00% |
| Q3 2024 | 5.07% | 2.21% | 3.19% | 5.00% | 0.00% |
| Q4 2024 | 4.97% | 2.13% | 3.16% | 4.96% | 0.00% |
| Q1 2025 | 5.63% | 2.88% | 3.70% | 5.73% | 0.00% |
| Q2 2025 | 5.44% | 2.83% | 3.57% | 5.51% | 0.00% |
| Q3 2025 | 5.44% | 2.64% | 3.65% | 5.49% | 0.00% |
| Q4 2025 | 5.28% | 2.59% | 3.52% | 5.37% | — |
| Q1 2026 | 5.32% | 2.55% | 3.62% | 5.45% | — |
| Q2 2026 | 5.46% | 2.66% | 3.71% | 5.64% | — |
Mutual Federal 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 Mutual Federal 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 Mutual Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28302) · FFIEC NIC profile (RSSD 235174)