Old Second National 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.3% to $16.9M. Among 323 Illinois banks, Old Second National Bank sits 7th from the top on net interest margin, 5.23% as of Q2 2026. Old Second National Bank reported 5.23% on net interest margin for Q2 2026, 1.52 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 6.89% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.46% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | 3.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.23% |
| Yield to cost spread | 4.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $87.2M |
| Total interest expense | $16.9M |
| Interest expense on deposits | $13.7M |
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 | 5.29% | 0.81% | 4.56% | 6.05% | 3.02% |
| Q4 2023 | 5.31% | 0.92% | 4.48% | 6.00% | 3.05% |
| Q1 2024 | 5.29% | 1.02% | 4.38% | 5.94% | 3.07% |
| Q2 2024 | 5.32% | 1.04% | 4.40% | 5.96% | 3.21% |
| Q3 2024 | 5.78% | 1.20% | 4.67% | 6.51% | 3.44% |
| Q4 2024 | 5.69% | 1.05% | 4.72% | 6.40% | 3.38% |
| Q1 2025 | 5.55% | 0.80% | 4.82% | 6.23% | 3.47% |
| Q2 2025 | 5.60% | 0.82% | 4.85% | 6.26% | 3.68% |
| Q3 2025 | 6.35% | 1.36% | 5.11% | 7.00% | 3.75% |
| Q4 2025 | 6.27% | 1.24% | 5.14% | 6.89% | 3.63% |
| Q1 2026 | 6.11% | 1.12% | 5.09% | 6.70% | 3.60% |
| Q2 2026 | 6.28% | 1.15% | 5.23% | 6.89% | 3.68% |
Old Second National 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 Old Second National 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 Old Second National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3603) · FFIEC NIC profile (RSSD 936136)