Security Bank, S.B.: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 3.91%. Within Illinois, Security Bank, S.B. is 121st of 323 on net interest margin, 3.91% as of Q2 2026. At 3.91%, Security Bank, S.B.'s net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.91% |
| Yield on securities | 3.50% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $898K |
| Interest expense on deposits | $558K |
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 | 4.42% | 0.41% | 4.03% | 5.50% | 2.45% |
| Q4 2023 | 4.60% | 1.16% | 3.41% | 5.63% | 2.53% |
| Q1 2024 | 4.56% | 1.20% | 3.38% | 5.79% | 2.54% |
| Q2 2024 | 4.88% | 1.47% | 3.34% | 5.98% | 2.47% |
| Q3 2024 | 5.07% | 1.46% | 3.56% | 6.61% | 2.46% |
| Q4 2024 | 5.08% | 1.31% | 3.74% | 6.50% | 2.39% |
| Q1 2025 | 4.81% | 1.11% | 3.73% | 6.41% | 2.40% |
| Q2 2025 | 5.16% | 1.05% | 4.02% | 6.61% | 2.36% |
| Q3 2025 | 5.21% | 1.16% | 4.08% | 6.85% | 2.28% |
| Q4 2025 | 5.28% | 1.43% | 3.88% | 6.92% | 3.05% |
| Q1 2026 | 5.15% | 1.51% | 3.68% | 6.91% | 3.40% |
| Q2 2026 | 5.45% | 1.59% | 3.91% | 6.91% | 3.50% |
Security Bank, S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, S.B., 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 Security Bank, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27723) · FFIEC NIC profile (RSSD 218878)