State Bank of Bement: 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 Cost of interest-bearing liabilities: 1.09 percentage points higher than in Q1 2026, at 2.88%. State Bank of Bement ranks 110th of 323 Illinois banks on net interest margin, in the upper half at 3.97% (Q2 2026). At 3.97%, State Bank of Bement's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.31% |
| Yield on loans | 6.64% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.94% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $584K |
| Interest expense on deposits | $584K |
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 | 5.38% | 0.78% | 4.32% | 6.19% | 3.65% |
| Q4 2023 | 4.81% | 1.08% | 3.79% | 6.37% | 2.22% |
| Q1 2024 | 4.76% | 1.20% | 3.43% | 6.30% | 2.26% |
| Q2 2024 | 4.90% | 1.11% | 3.64% | 6.37% | 2.31% |
| Q3 2024 | 5.13% | 1.17% | 3.80% | 6.61% | 2.38% |
| Q4 2024 | 5.47% | 0.97% | 4.11% | 6.89% | 2.80% |
| Q1 2025 | 5.01% | 1.17% | 3.66% | 6.37% | 2.57% |
| Q2 2025 | 5.33% | 1.12% | 4.04% | 6.68% | 2.59% |
| Q3 2025 | 5.47% | 1.44% | 4.12% | 6.83% | 2.72% |
| Q4 2025 | 5.45% | 1.44% | 4.09% | 6.60% | 2.86% |
| Q1 2026 | 5.22% | 1.44% | 3.86% | 6.45% | 2.87% |
| Q2 2026 | 5.31% | 0.94% | 3.97% | 6.64% | 2.96% |
State Bank of Bement 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 of Bement, 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 of Bement profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10855) · FFIEC NIC profile (RSSD 439730)