Southern Illinois 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, Net interest margin edged up by 0.10 percentage points, from 3.80% to 3.90%, the largest move among the key lines here. Within Illinois, Southern Illinois Bank is 122nd of 323 on net interest margin, 3.90% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Southern Illinois Bank reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 6.51% |
| Yield on securities | 2.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $354K |
| Interest expense on deposits | $354K |
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 | 4.93% | 1.28% | 3.73% | 6.01% | 2.52% |
| Q4 2023 | 5.11% | 1.48% | 3.73% | 6.26% | 2.54% |
| Q1 2024 | 5.20% | 1.61% | 3.72% | 6.42% | 2.55% |
| Q2 2024 | 5.30% | 1.71% | 3.71% | 6.41% | 2.57% |
| Q3 2024 | 5.37% | 1.85% | 3.67% | 6.63% | 2.57% |
| Q4 2024 | 5.51% | 1.95% | 3.72% | 6.81% | 2.58% |
| Q1 2025 | 5.39% | 1.94% | 3.57% | 6.58% | 2.57% |
| Q2 2025 | 5.61% | 1.83% | 3.86% | 6.87% | 2.60% |
| Q3 2025 | 5.02% | 1.61% | 3.53% | 5.84% | 2.73% |
| Q4 2025 | 5.27% | 1.49% | 3.88% | 6.46% | 2.43% |
| Q1 2026 | 4.93% | 1.26% | 3.80% | 6.45% | 2.36% |
| Q2 2026 | 4.98% | 1.22% | 3.90% | 6.51% | 2.40% |
Southern Illinois 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 Southern Illinois 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 Southern Illinois Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35229) · FFIEC NIC profile (RSSD 2847085)