The State Bank of Geneva: 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 3.42%. The State Bank of Geneva ranks 212th of 323 Illinois banks on net interest margin, in the lower half at 3.42% (Q2 2026). The State Bank of Geneva reported 3.42% on net interest margin for Q2 2026, 0.53 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 6.05% |
| Yield on securities | 2.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.82% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $490K |
| Interest expense on deposits | $465K |
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 | 4.70% | 1.01% | 3.76% | 5.59% | 2.52% |
| Q4 2023 | 4.91% | 1.24% | 3.78% | 5.78% | 2.51% |
| Q1 2024 | 4.71% | 1.33% | 3.51% | 5.59% | 2.52% |
| Q2 2024 | 4.99% | 1.44% | 3.68% | 5.84% | 2.77% |
| Q3 2024 | 4.88% | 1.51% | 3.53% | 5.80% | 2.62% |
| Q4 2024 | 4.92% | 1.60% | 3.49% | 5.80% | 2.54% |
| Q1 2025 | 4.71% | 1.69% | 3.16% | 5.70% | 2.41% |
| Q2 2025 | 4.88% | 1.76% | 3.29% | 5.81% | 2.40% |
| Q3 2025 | 4.93% | 1.79% | 3.31% | 5.99% | 2.41% |
| Q4 2025 | 4.97% | 1.74% | 3.39% | 5.99% | 2.33% |
| Q1 2026 | 4.79% | 1.74% | 3.23% | 5.89% | 2.21% |
| Q2 2026 | 5.06% | 1.82% | 3.42% | 6.05% | 2.35% |
The State Bank of Geneva yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 925) · FFIEC NIC profile (RSSD 991135)