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.
Cost of borrowings climbed 1.05 percentage points in Q2 2026, from 2.57% to 3.62%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank is 217th of 323 on net interest margin, 3.41% as of Q2 2026. State Bank reported 3.41% on net interest margin for Q2 2026, 0.53 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.33% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.25% | 1.95% | 2.38% | 4.89% | 2.36% |
| Q4 2023 | 4.33% | 2.11% | 2.32% | 4.99% | 2.44% |
| Q1 2024 | 4.36% | 2.28% | 2.17% | 5.05% | 2.41% |
| Q2 2024 | 4.36% | 2.38% | 2.09% | 5.12% | 2.10% |
| Q3 2024 | 4.67% | 2.50% | 2.29% | 5.48% | 2.35% |
| Q4 2024 | 4.66% | 2.49% | 2.29% | 5.58% | 2.43% |
| Q1 2025 | 4.66% | 2.35% | 2.42% | 5.60% | 2.47% |
| Q2 2025 | 5.01% | 2.21% | 2.91% | 5.91% | 2.81% |
| Q3 2025 | 5.36% | 2.20% | 3.27% | 6.44% | 2.89% |
| Q4 2025 | 5.05% | 2.13% | 3.02% | 6.05% | 2.46% |
| Q1 2026 | 5.07% | 2.07% | 3.11% | 6.03% | 2.32% |
| Q2 2026 | 5.29% | 2.01% | 3.41% | 6.33% | 2.59% |
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 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12706) · FFIEC NIC profile (RSSD 266244)