Servbank, 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.
The standout move of Q2 2026 was in Total interest expense: 108.0% higher than in Q1 2026, at $4.9M. On net interest margin, Servbank, N.A. ranks 13th highest among the 323 banks headquartered in Illinois, at 5.03% (Q2 2026). Servbank, N.A. reported 5.03% on net interest margin for Q2 2026, 1.32 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | 7.05% |
| Yield on securities | 4.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.03% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.7M |
| Total interest expense | $4.9M |
| Interest expense on deposits | $4.5M |
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 | 5.78% | 0.51% | 5.44% | 7.48% | 4.81% |
| Q4 2023 | 5.86% | 0.49% | 5.52% | 8.07% | 5.05% |
| Q1 2024 | 4.75% | 0.48% | 4.47% | 7.39% | 4.61% |
| Q2 2024 | 5.78% | 0.40% | 5.51% | 7.52% | 4.94% |
| Q3 2024 | 5.56% | 0.24% | 5.42% | 7.30% | 5.94% |
| Q4 2024 | 6.03% | 0.33% | 5.81% | 7.64% | 5.37% |
| Q1 2025 | 5.97% | 0.41% | 5.68% | 7.39% | 5.10% |
| Q2 2025 | 6.40% | 0.60% | 5.98% | 8.38% | 4.82% |
| Q3 2025 | 5.99% | 0.87% | 5.38% | 7.33% | 5.13% |
| Q4 2025 | 5.95% | 1.05% | 5.21% | 7.33% | 5.12% |
| Q1 2026 | 6.49% | 1.21% | 5.50% | 7.35% | 5.05% |
| Q2 2026 | 6.38% | 1.61% | 5.03% | 7.05% | 4.73% |
Servbank, 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 Servbank, 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 Servbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 55130) · FFIEC NIC profile (RSSD 2140348)