Spring Valley City 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 3.22%. Spring Valley City Bank ranks 251st of 323 Illinois banks on net interest margin, in the lower half at 3.22% (Q2 2026). Spring Valley City Bank reported 3.22% on net interest margin for Q2 2026, 0.73 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.46% |
| Yield on loans | 5.31% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.77% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $646K |
| Interest expense on deposits | $646K |
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 | 3.60% | 1.36% | 2.41% | 4.28% | 1.85% |
| Q4 2023 | 4.26% | 1.64% | 2.82% | 4.96% | 2.15% |
| Q1 2024 | 3.89% | 1.79% | 2.30% | 4.56% | 2.40% |
| Q2 2024 | 4.07% | 1.81% | 2.49% | 4.64% | 2.25% |
| Q3 2024 | 4.11% | 1.77% | 2.56% | 4.82% | 2.34% |
| Q4 2024 | 4.27% | 1.76% | 2.72% | 5.00% | 2.32% |
| Q1 2025 | 4.22% | 1.73% | 2.69% | 5.03% | 2.30% |
| Q2 2025 | 4.37% | 1.66% | 2.92% | 5.15% | 2.54% |
| Q3 2025 | 4.42% | 1.60% | 3.02% | 5.33% | 2.54% |
| Q4 2025 | 4.42% | 1.53% | 3.08% | 5.31% | 2.55% |
| Q1 2026 | 4.29% | 1.43% | 3.03% | 5.14% | 2.60% |
| Q2 2026 | 4.46% | 1.42% | 3.22% | 5.31% | 2.75% |
Spring Valley City 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 Spring Valley City 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 Spring Valley City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12087) · FFIEC NIC profile (RSSD 452841)