State Bank of the Lakes, N.A.: 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 Total interest expense: 12.8% higher than in Q1 2026, at $14.7M. Within Illinois, State Bank of the Lakes, N.A. is 271st of 323 on net interest margin, 3.12% as of Q2 2026, below the middle of the field. State Bank of the Lakes, N.A. reported 3.12% on net interest margin for Q2 2026, 0.59 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 5.77% |
| Yield on securities | 3.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 3.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.12% |
| Yield to cost spread | 2.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $28.7M |
| Total interest expense | $14.7M |
| Interest expense on deposits | $13.7M |
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 | 5.72% | 2.30% | 3.57% | 6.35% | 2.76% |
| Q4 2023 | 5.87% | 2.47% | 3.56% | 6.52% | 2.81% |
| Q1 2024 | 6.14% | 2.56% | 3.76% | 6.82% | 2.60% |
| Q2 2024 | 6.05% | 2.72% | 3.51% | 6.67% | 2.57% |
| Q3 2024 | 6.21% | 2.82% | 3.56% | 6.83% | 2.56% |
| Q4 2024 | 5.87% | 2.61% | 3.44% | 6.47% | 2.91% |
| Q1 2025 | 5.63% | 2.45% | 3.34% | 6.16% | 3.06% |
| Q2 2025 | 5.76% | 2.47% | 3.48% | 6.29% | 3.19% |
| Q3 2025 | 5.79% | 2.62% | 3.35% | 6.30% | 3.16% |
| Q4 2025 | 5.63% | 2.49% | 3.33% | 6.12% | 3.51% |
| Q1 2026 | 5.37% | 2.33% | 3.20% | 5.82% | 3.78% |
| Q2 2026 | 5.38% | 2.42% | 3.12% | 5.77% | 3.94% |
State Bank of the Lakes, N.A. 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 the Lakes, N.A., 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 the Lakes, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)