State Bank of Cherry: 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.
Compared with Q1 2026, Cost of borrowings fell 0.34 percentage points in Q2 2026 to 4.12%, the biggest move on this page. Within Illinois, State Bank of Cherry is 221st of 323 on net interest margin, 3.39% as of Q2 2026, below the middle of the field. State Bank of Cherry reported 3.39% on net interest margin for Q2 2026, 0.56 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.50% |
| Yield on securities | 4.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.91% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 4.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $605K |
| Interest expense on deposits | $454K |
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 | 4.89% | 1.23% | 3.73% | 4.90% | 4.27% |
| Q4 2023 | 5.42% | 1.37% | 4.12% | 5.71% | 4.35% |
| Q1 2024 | 5.13% | 1.63% | 3.58% | 5.31% | 4.38% |
| Q2 2024 | 5.05% | 1.63% | 3.50% | 5.19% | 4.55% |
| Q3 2024 | 5.42% | 1.69% | 3.81% | 5.64% | 4.63% |
| Q4 2024 | 5.34% | 1.74% | 3.69% | 5.55% | 4.46% |
| Q1 2025 | 5.47% | 1.78% | 3.78% | 5.82% | 4.35% |
| Q2 2025 | 5.43% | 1.83% | 3.72% | 5.75% | 4.50% |
| Q3 2025 | 5.59% | 2.01% | 3.73% | 5.92% | 4.78% |
| Q4 2025 | 5.36% | 2.00% | 3.49% | 5.63% | 4.77% |
| Q1 2026 | 5.17% | 1.91% | 3.38% | 5.52% | 4.68% |
| Q2 2026 | 5.17% | 1.91% | 3.39% | 5.50% | 4.84% |
State Bank of Cherry 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 Cherry, 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 Cherry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11686) · FFIEC NIC profile (RSSD 258539)