National Bank of St. Anne: 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.
The standout move of Q2 2026 was in Cost of borrowings: 4.00 percentage points higher than in Q1 2026, at 4.00%. Among 323 Illinois banks, National Bank of St. Anne sits 12th from the top on net interest margin, 5.06% as of Q2 2026. National Bank of St. Anne reported 5.06% on net interest margin for Q2 2026, 1.11 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.59% |
| Yield on loans | 6.99% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.03% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.06% |
| Yield to cost spread | 4.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $517K |
| Interest expense on deposits | $516K |
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 | 5.31% | 1.02% | 4.35% | 5.94% | 2.55% |
| Q4 2023 | 5.60% | 1.58% | 4.10% | 6.28% | 2.51% |
| Q1 2024 | 5.62% | 1.65% | 4.03% | 6.33% | 2.52% |
| Q2 2024 | 5.95% | 1.75% | 4.28% | 6.60% | 2.61% |
| Q3 2024 | 6.10% | 2.06% | 4.15% | 6.74% | 2.60% |
| Q4 2024 | 5.95% | 1.76% | 4.29% | 6.52% | 2.66% |
| Q1 2025 | 6.07% | 1.56% | 4.56% | 6.70% | 2.67% |
| Q2 2025 | 6.28% | 1.62% | 4.74% | 6.78% | 2.74% |
| Q3 2025 | 6.48% | 1.67% | 4.91% | 6.99% | 2.70% |
| Q4 2025 | 6.44% | 1.73% | 4.79% | 6.89% | 2.69% |
| Q1 2026 | 6.31% | 1.62% | 4.76% | 6.83% | 2.78% |
| Q2 2026 | 6.59% | 1.62% | 5.06% | 6.99% | 2.88% |
National Bank of St. Anne yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of St. Anne, 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 National Bank of St. Anne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16752) · FFIEC NIC profile (RSSD 760340)