Philo Exchange 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.
In Q2 2026, Yield on securities edged up by 0.22 percentage points, from 2.96% to 3.18%, the largest move among the key lines here. Within Illinois, Philo Exchange Bank is 190th of 323 on net interest margin, 3.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Philo Exchange Bank sits 0.38 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.67% |
| Yield on loans | 5.66% |
| Yield on securities | 3.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.65% |
| Cost of borrowings | 2.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $403K |
| Interest expense on deposits | $340K |
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 | 3.42% | 0.49% | 2.96% | 4.96% | 1.43% |
| Q4 2023 | 3.86% | 0.82% | 3.07% | 5.27% | 1.68% |
| Q1 2024 | 3.95% | 0.63% | 3.35% | 5.28% | 1.67% |
| Q2 2024 | 4.20% | 1.01% | 3.24% | 5.55% | 1.65% |
| Q3 2024 | 4.41% | 1.36% | 3.14% | 5.71% | 1.65% |
| Q4 2024 | 4.45% | 1.39% | 3.17% | 5.70% | 1.84% |
| Q1 2025 | 4.35% | 1.09% | 3.36% | 5.41% | 2.42% |
| Q2 2025 | 4.63% | 1.05% | 3.66% | 5.75% | 2.46% |
| Q3 2025 | 4.77% | 1.11% | 3.74% | 5.88% | 2.55% |
| Q4 2025 | 5.59% | 1.16% | 4.47% | 6.99% | 2.71% |
| Q1 2026 | 4.55% | 1.07% | 3.55% | 5.60% | 2.96% |
| Q2 2026 | 4.67% | 1.17% | 3.56% | 5.66% | 3.18% |
Philo Exchange 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 Philo Exchange 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 Philo Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)