State Bank of Whittington: 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.
Compared with Q1 2026, Yield on securities rose 0.44 percentage points in Q2 2026 to 2.62%, the biggest move on this page. Among 323 Illinois banks, State Bank of Whittington sits 24th from the top on net interest margin, 4.70% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. State Bank of Whittington sits 0.75 points higher, at 4.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.83% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $415K |
| Interest expense on deposits | $415K |
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 | 4.37% | 0.65% | 3.68% | 5.95% | 1.85% |
| Q4 2023 | 4.52% | 0.83% | 3.67% | 6.08% | 1.86% |
| Q1 2024 | 4.67% | 1.06% | 3.58% | 6.30% | 1.84% |
| Q2 2024 | 4.92% | 0.84% | 4.06% | 6.45% | 2.06% |
| Q3 2024 | 5.11% | 0.61% | 4.49% | 6.65% | 1.96% |
| Q4 2024 | 5.92% | 0.90% | 5.00% | 7.31% | 3.08% |
| Q1 2025 | 5.25% | 1.04% | 4.18% | 6.68% | 2.01% |
| Q2 2025 | 5.23% | 0.94% | 4.27% | 6.57% | 2.04% |
| Q3 2025 | 5.42% | 0.92% | 4.50% | 6.79% | 2.07% |
| Q4 2025 | 5.58% | 0.91% | 4.66% | 6.94% | 2.11% |
| Q1 2026 | 5.46% | 0.93% | 4.52% | 6.68% | 2.18% |
| Q2 2026 | 5.69% | 0.99% | 4.70% | 6.83% | 2.62% |
State Bank of Whittington 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 Whittington, 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 Whittington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19689) · FFIEC NIC profile (RSSD 270148)