The Old Exchange National Bank of Okawville: 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 securities edged up by 0.17 percentage points, from 2.53% to 2.70%, the largest move among the key lines here. On net interest margin, The Old Exchange National Bank of Okawville is 16th from the bottom among 323 Illinois banks, 2.70% (Q2 2026). The Old Exchange National Bank of Okawville reported 2.70% on net interest margin for Q2 2026, 1.19 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.43% |
| Yield on loans | 6.37% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.70% |
| Yield to cost spread | 2.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $614K |
| Total interest expense | $402K |
| Interest expense on deposits | $372K |
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 | 3.68% | 1.50% | 2.37% | 5.78% | 1.98% |
| Q4 2023 | 3.82% | 1.55% | 2.44% | 5.71% | 2.05% |
| Q1 2024 | 4.04% | 1.67% | 2.57% | 6.17% | 2.09% |
| Q2 2024 | 4.10% | 1.88% | 2.46% | 6.31% | 2.13% |
| Q3 2024 | 4.33% | 2.12% | 2.54% | 6.60% | 2.18% |
| Q4 2024 | 4.39% | 2.12% | 2.53% | 6.53% | 2.24% |
| Q1 2025 | 4.29% | 1.98% | 2.52% | 6.24% | 2.29% |
| Q2 2025 | 4.29% | 2.05% | 2.49% | 6.30% | 2.34% |
| Q3 2025 | 4.45% | 2.13% | 2.59% | 6.62% | 2.46% |
| Q4 2025 | 4.58% | 1.93% | 2.81% | 6.63% | 2.50% |
| Q1 2026 | 4.43% | 1.86% | 2.76% | 6.27% | 2.53% |
| Q2 2026 | 4.43% | 1.99% | 2.70% | 6.37% | 2.70% |
The Old Exchange National Bank of Okawville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Exchange National Bank of Okawville, 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 The Old Exchange National Bank of Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3827) · FFIEC NIC profile (RSSD 411240)