Princeville State 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 biggest quarter-over-quarter change on this page was a small one: Yield on earning assets edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 6.19%. Princeville State Bank ranks 36th of 323 Illinois banks on net interest margin, in the upper half at 4.54% (Q2 2026). Princeville State Bank reported 4.54% on net interest margin for Q2 2026, 0.59 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 7.02% |
| Yield on securities | 5.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.10% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $455K |
| Interest expense on deposits | $407K |
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 | 4.81% | 1.32% | 3.59% | 5.81% | 3.27% |
| Q4 2023 | 7.06% | 2.62% | 4.55% | 9.57% | 3.32% |
| Q1 2024 | 4.95% | 2.06% | 2.98% | 5.87% | 3.38% |
| Q2 2024 | 4.90% | 2.30% | 2.78% | 6.01% | 3.07% |
| Q3 2024 | 4.52% | 2.32% | 2.51% | 6.19% | 1.92% |
| Q4 2024 | 4.58% | 2.02% | 2.77% | 6.14% | 2.34% |
| Q1 2025 | 6.57% | 1.84% | 4.66% | 7.99% | 4.74% |
| Q2 2025 | 6.50% | 1.80% | 4.78% | 7.41% | 5.43% |
| Q3 2025 | 6.63% | 1.59% | 5.11% | 7.65% | 5.31% |
| Q4 2025 | 5.38% | 1.62% | 3.83% | 5.71% | 5.06% |
| Q1 2026 | 6.02% | 1.61% | 4.48% | 6.88% | 5.01% |
| Q2 2026 | 6.19% | 1.71% | 4.54% | 7.02% | 5.08% |
Princeville State 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 Princeville State 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 Princeville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16900) · FFIEC NIC profile (RSSD 670748)