Scott 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.
In Q2 2026, Yield on securities edged up by 0.20 percentage points, from 2.06% to 2.26%, the largest move among the key lines here. Within Illinois, Scott State Bank is 149th of 323 on net interest margin, 3.77% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Scott State Bank sits 0.17 points lower, at 3.77% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | 6.36% |
| Yield on securities | 2.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.03% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $473K |
| Interest expense on deposits | $463K |
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 | 3.77% | 0.73% | 3.09% | 5.52% | 1.95% |
| Q4 2023 | 3.89% | 1.06% | 2.91% | 5.61% | 2.01% |
| Q1 2024 | 3.83% | 1.16% | 2.74% | 5.65% | 1.79% |
| Q2 2024 | 3.98% | 1.19% | 2.88% | 5.76% | 1.96% |
| Q3 2024 | 4.15% | 1.21% | 3.03% | 5.97% | 1.95% |
| Q4 2024 | 4.37% | 1.31% | 3.16% | 6.16% | 1.95% |
| Q1 2025 | 4.33% | 1.25% | 3.17% | 6.06% | 1.91% |
| Q2 2025 | 4.50% | 1.24% | 3.34% | 6.27% | 1.91% |
| Q3 2025 | 4.61% | 1.28% | 3.43% | 6.38% | 1.93% |
| Q4 2025 | 4.68% | 1.13% | 3.63% | 6.37% | 1.97% |
| Q1 2026 | 4.62% | 1.02% | 3.68% | 6.25% | 2.06% |
| Q2 2026 | 4.72% | 1.03% | 3.77% | 6.36% | 2.26% |
Scott 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 Scott 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 Scott State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8491) · FFIEC NIC profile (RSSD 443634)