North County Savings 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.
Net interest margin rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 2.56% against 2.38%. It was the largest change among the key lines on this page. On net interest margin, North County Savings Bank is 9th from the bottom among 323 Illinois banks, 2.56% (Q2 2026). North County Savings Bank reported 2.56% on net interest margin for Q2 2026, 1.33 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.96% |
| Yield on loans | 5.17% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.56% |
| Yield to cost spread | 2.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $365K |
| Total interest expense | $216K |
| Interest expense on deposits | $216K |
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 | 3.23% | 1.15% | 2.03% | 4.11% | 1.87% |
| Q4 2023 | 2.96% | 1.71% | 1.38% | 4.34% | 1.89% |
| Q1 2024 | 3.01% | 1.65% | 1.45% | 4.38% | 1.80% |
| Q2 2024 | 3.19% | 1.60% | 1.65% | 4.56% | 1.88% |
| Q3 2024 | 3.22% | 1.64% | 1.65% | 4.64% | 1.91% |
| Q4 2024 | 3.30% | 1.67% | 1.72% | 4.82% | 1.89% |
| Q1 2025 | 3.34% | 1.57% | 1.84% | 4.74% | 2.00% |
| Q2 2025 | 3.49% | 1.54% | 2.04% | 4.93% | 2.11% |
| Q3 2025 | 3.76% | 1.58% | 2.30% | 4.90% | 2.35% |
| Q4 2025 | 3.88% | 1.55% | 2.41% | 5.04% | 2.73% |
| Q1 2026 | 3.79% | 1.49% | 2.38% | 5.06% | 2.56% |
| Q2 2026 | 3.96% | 1.49% | 2.56% | 5.17% | 2.75% |
North County Savings 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 North County Savings 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 North County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30656) · FFIEC NIC profile (RSSD 482370)