State Bank of Nauvoo: 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 Yield on securities: 0.80 percentage points higher than in Q1 2026, at 1.97%. Within Illinois, State Bank of Nauvoo is 144th of 323 on net interest margin, 3.79% as of Q2 2026, above the middle of the field. At 3.79%, State Bank of Nauvoo's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.83% |
| Yield on loans | 6.08% |
| Yield on securities | 1.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.41% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $282K |
| Total interest expense | $92K |
| Interest expense on deposits | $92K |
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% | 0.57% | 3.62% | 5.27% | 0.93% |
| Q4 2023 | 4.20% | 0.74% | 3.59% | 5.99% | 1.29% |
| Q1 2024 | 4.59% | 0.92% | 3.73% | 5.52% | 1.40% |
| Q2 2024 | 4.23% | 1.04% | 3.36% | 5.51% | 0.93% |
| Q3 2024 | 5.21% | 1.16% | 4.05% | 5.72% | 1.01% |
| Q4 2024 | 4.97% | 1.10% | 3.94% | 5.65% | 1.09% |
| Q1 2025 | 4.77% | 1.12% | 3.72% | 5.57% | 1.04% |
| Q2 2025 | 5.01% | 1.18% | 3.92% | 5.68% | 1.33% |
| Q3 2025 | 4.93% | 1.17% | 3.85% | 5.93% | 0.15% |
| Q4 2025 | 5.06% | 1.16% | 4.00% | 5.92% | 3.21% |
| Q1 2026 | 4.82% | 1.08% | 3.80% | 6.02% | 1.17% |
| Q2 2026 | 4.83% | 1.08% | 3.79% | 6.08% | 1.97% |
State Bank of Nauvoo 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 Nauvoo, 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 Nauvoo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13582) · FFIEC NIC profile (RSSD 783349)