State Bank of Industry: 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.
Net interest margin rose 0.17 percentage points from Q2 2026 to Q3 2026, ending at 3.43% against 3.26%. It was the largest change among the key lines on this page. Within Illinois, State Bank of Industry is 208th of 323 on net interest margin, 3.43% as of Q3 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. State Bank of Industry sits 0.46 points lower, at 3.43% (Q3 2026); the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $634K |
| Total interest expense | $299K |
| Interest expense on deposits | $299K |
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 |
|---|---|---|---|
| Q4 2023 | 4.84% | 2.06% | 3.02% |
| Q1 2024 | 4.81% | 2.37% | 2.73% |
| Q2 2024 | 4.97% | 2.33% | 2.95% |
| Q3 2024 | 5.07% | 2.44% | 2.94% |
| Q4 2024 | 5.07% | 2.51% | 2.90% |
| Q1 2025 | 4.96% | 2.26% | 2.99% |
| Q2 2025 | 5.03% | 2.28% | 3.03% |
| Q3 2025 | 5.19% | 2.31% | 3.15% |
| Q4 2025 | 5.17% | 2.19% | 3.27% |
| Q1 2026 | 5.10% | 2.11% | 3.29% |
| Q2 2026 | 5.05% | 2.08% | 3.26% |
| Q3 2026 | 5.26% | 2.11% | 3.43% |
State Bank of Industry 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 Industry, 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 Industry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10820) · FFIEC NIC profile (RSSD 944935)