Prairie Community 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 0.19 percentage points from Q1 2026 to Q2 2026, ending at 4.09% against 3.90%. It was the largest change among the key lines on this page. Within Illinois, Prairie Community Bank is 89th of 323 on net interest margin, 4.09% as of Q2 2026, above the middle of the field. Prairie Community Bank reported 4.09% on net interest margin for Q2 2026, 0.14 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.18% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $580K |
| Interest expense on deposits | $580K |
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 | 5.01% | 1.05% | 4.01% | 5.84% | 2.52% |
| Q4 2023 | 5.12% | 1.25% | 3.93% | 5.92% | 2.44% |
| Q1 2024 | 5.11% | 1.37% | 3.80% | 5.91% | 2.44% |
| Q2 2024 | 5.23% | 1.52% | 3.78% | 6.06% | 2.43% |
| Q3 2024 | 5.35% | 1.63% | 3.79% | 6.20% | 2.50% |
| Q4 2024 | 5.35% | 1.59% | 3.87% | 6.18% | 2.45% |
| Q1 2025 | 5.30% | 1.48% | 3.89% | 6.13% | 2.41% |
| Q2 2025 | 5.38% | 1.58% | 3.86% | 6.29% | 2.64% |
| Q3 2025 | 5.52% | 1.55% | 4.01% | 6.40% | 3.07% |
| Q4 2025 | 5.43% | 1.48% | 4.01% | 6.39% | 2.87% |
| Q1 2026 | 5.24% | 1.41% | 3.90% | 6.17% | 2.85% |
| Q2 2026 | 5.37% | 1.34% | 4.09% | 6.18% | 2.93% |
Prairie Community 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 Prairie Community 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 Prairie Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34526) · FFIEC NIC profile (RSSD 2598396)