Resource Bank, N.A.: 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.
Total interest expense rose 4.3% from Q1 2026 to Q2 2026, ending at $2.4M against $2.3M. It was the largest change among the key lines on this page. Resource Bank, N.A. ranks 139th of 323 Illinois banks on net interest margin, in the upper half at 3.83% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Resource Bank, N.A. sits 0.12 points lower, at 3.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 6.37% |
| Yield on securities | 2.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.19% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.83% |
| Yield to cost spread | 3.39% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.1M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 4.15% | 0.85% | 3.17% | 5.39% | 2.18% |
| Q4 2023 | 4.36% | 1.00% | 3.22% | 5.68% | 2.19% |
| Q1 2024 | 4.47% | 1.19% | 3.11% | 5.73% | 2.17% |
| Q2 2024 | 4.70% | 1.41% | 3.10% | 5.99% | 2.13% |
| Q3 2024 | 4.63% | 1.48% | 2.97% | 5.84% | 2.11% |
| Q4 2024 | 4.64% | 1.37% | 3.10% | 5.90% | 2.10% |
| Q1 2025 | 4.51% | 1.13% | 3.22% | 5.70% | 2.13% |
| Q2 2025 | 4.65% | 1.17% | 3.33% | 5.89% | 2.19% |
| Q3 2025 | 4.75% | 1.21% | 3.40% | 6.07% | 2.31% |
| Q4 2025 | 4.75% | 1.13% | 3.48% | 5.97% | 2.46% |
| Q1 2026 | 4.77% | 1.16% | 3.67% | 5.99% | 2.54% |
| Q2 2026 | 4.95% | 1.19% | 3.83% | 6.37% | 2.71% |
Resource Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Resource Bank, N.A., 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 Resource Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3701) · FFIEC NIC profile (RSSD 235530)