Republic Bank of Chicago: 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 6.3% in Q2 2026 to $10.4M, the biggest move on this page. Within Illinois, Republic Bank of Chicago is 99th of 323 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Republic Bank of Chicago sits 0.31 points higher, at 4.02% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.70% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.77% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 2.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.3M |
| Total interest expense | $10.4M |
| Interest expense on deposits | $10.3M |
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 | 5.57% | 2.25% | 3.38% | 6.64% | 2.97% |
| Q4 2023 | 5.83% | 2.50% | 3.43% | 6.78% | 3.14% |
| Q1 2024 | 6.03% | 2.65% | 3.45% | 6.87% | 3.33% |
| Q2 2024 | 5.94% | 2.70% | 3.29% | 6.60% | 3.62% |
| Q3 2024 | 6.27% | 2.77% | 3.54% | 7.00% | 3.84% |
| Q4 2024 | 6.08% | 2.51% | 3.56% | 6.73% | 3.79% |
| Q1 2025 | 5.78% | 2.29% | 3.58% | 6.46% | 3.72% |
| Q2 2025 | 6.01% | 2.18% | 3.91% | 6.78% | 3.79% |
| Q3 2025 | 6.04% | 2.10% | 4.03% | 6.88% | 3.82% |
| Q4 2025 | 6.21% | 1.92% | 4.35% | 7.04% | 3.92% |
| Q1 2026 | 5.73% | 1.74% | 4.05% | 6.54% | 3.63% |
| Q2 2026 | 5.71% | 1.77% | 4.02% | 6.70% | 3.78% |
Republic Bank of Chicago yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank of Chicago, 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 Republic Bank of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19333) · FFIEC NIC profile (RSSD 671334)