Raritan 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.
Net interest margin climbed 0.51 percentage points in Q2 2026, from 3.27% to 3.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Raritan State Bank is 147th of 323 on net interest margin, 3.78% as of Q2 2026, above the middle of the field. Raritan State Bank reported 3.78% on net interest margin for Q2 2026, 0.17 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.49% |
| Yield on securities | 3.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.78% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 4.54% | 1.65% | 2.99% | 5.62% | 1.85% |
| Q4 2023 | 4.58% | 1.96% | 2.77% | 5.79% | 2.03% |
| Q1 2024 | 4.66% | 2.27% | 2.51% | 5.89% | 1.60% |
| Q2 2024 | 4.73% | 2.42% | 2.45% | 5.86% | 1.81% |
| Q3 2024 | 5.03% | 2.55% | 2.67% | 6.10% | 2.69% |
| Q4 2024 | 5.33% | 2.76% | 2.99% | 6.59% | 2.30% |
| Q1 2025 | 5.22% | 2.32% | 3.08% | 6.11% | 2.93% |
| Q2 2025 | 5.22% | 2.26% | 3.16% | 6.33% | 2.67% |
| Q3 2025 | 5.38% | 2.28% | 3.31% | 6.18% | 3.19% |
| Q4 2025 | 5.78% | 2.26% | 3.70% | 6.58% | 3.21% |
| Q1 2026 | 5.20% | 2.29% | 3.27% | 5.98% | 3.03% |
| Q2 2026 | 5.75% | 2.11% | 3.78% | 6.49% | 3.40% |
Raritan 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 Raritan 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 Raritan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10438) · FFIEC NIC profile (RSSD 749943)