Petefish, Skiles & Company: 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.
Compared with Q1 2026, Total interest expense rose 3.1% in Q2 2026 to $1.6M, the biggest move on this page. Petefish, Skiles & Company ranks 48th of 323 Illinois banks on net interest margin, in the upper half at 4.39% (Q2 2026). Petefish, Skiles & Company reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 0.65% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 |
|---|---|---|---|
| Q3 2023 | 4.56% | 1.29% | 3.30% |
| Q4 2023 | 4.75% | 1.31% | 3.44% |
| Q1 2024 | 4.79% | 1.58% | 3.27% |
| Q2 2024 | 5.03% | 1.69% | 3.43% |
| Q3 2024 | 5.24% | 1.73% | 3.59% |
| Q4 2024 | 12.20% | 2.22% | 10.18% |
| Q1 2025 | 5.53% | 1.34% | 4.26% |
| Q2 2025 | 5.69% | 1.37% | 4.39% |
| Q3 2025 | 5.81% | 1.44% | 4.45% |
| Q4 2025 | 5.82% | 1.48% | 4.43% |
| Q1 2026 | 5.63% | 1.39% | 4.31% |
| Q2 2026 | 5.73% | 1.42% | 4.39% |
Petefish, Skiles & Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Petefish, Skiles & Company, 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 Petefish, Skiles & Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10829) · FFIEC NIC profile (RSSD 602543)