The State Bank of Pearl City: 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged down 0.19 percentage points between Q1 2026 and Q2 2026, to 7.31%. The State Bank of Pearl City ranks 136th of 323 Illinois banks on net interest margin, in the upper half at 3.85% (Q2 2026). At 3.85%, The State Bank of Pearl City'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 | 5.02% |
| Yield on loans | 7.31% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $590K |
| Total interest expense | $198K |
| Interest expense on deposits | $198K |
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 | 4.45% | 1.28% | 3.25% | 6.54% | 1.75% |
| Q4 2023 | 4.74% | 1.58% | 3.24% | 6.68% | 4.99% |
| Q1 2024 | 4.76% | 2.20% | 2.71% | 6.80% | 2.81% |
| Q2 2024 | 4.94% | 2.39% | 2.70% | 7.09% | 2.95% |
| Q3 2024 | 5.24% | 2.37% | 3.09% | 7.36% | 3.11% |
| Q4 2024 | 5.06% | 2.20% | 3.06% | 7.13% | 3.24% |
| Q1 2025 | 5.17% | 1.90% | 3.46% | 7.18% | 3.14% |
| Q2 2025 | 4.89% | 1.57% | 3.46% | 7.00% | 3.09% |
| Q3 2025 | 4.80% | 1.54% | 3.45% | 7.10% | 3.14% |
| Q4 2025 | 5.11% | 1.76% | 3.53% | 7.31% | 2.49% |
| Q1 2026 | 5.18% | 1.42% | 3.90% | 7.50% | 3.14% |
| Q2 2026 | 5.02% | 1.24% | 3.85% | 7.31% | 3.08% |
The State Bank of Pearl City 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 Pearl City, 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 Pearl City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16344) · FFIEC NIC profile (RSSD 923949)