Sterling Federal Bank, Federal Savings Bank: 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: 8.3% lower than in Q1 2026, at $1.8M. Within Illinois, Sterling Federal Bank, Federal Savings Bank is 185th of 323 on net interest margin, 3.59% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Sterling Federal Bank, Federal Savings Bank sits 0.36 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.12% |
| Yield on securities | 1.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.53% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 4.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.3M |
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 | 4.72% | 1.50% | 3.17% | 5.68% | 2.22% |
| Q4 2023 | 5.16% | 1.77% | 3.27% | 6.20% | 2.32% |
| Q1 2024 | 4.81% | 1.83% | 2.94% | 5.62% | 2.38% |
| Q2 2024 | 5.22% | 1.91% | 3.29% | 6.15% | 2.26% |
| Q3 2024 | 5.51% | 2.15% | 3.33% | 6.49% | 2.24% |
| Q4 2024 | 5.27% | 2.05% | 3.21% | 6.10% | 2.22% |
| Q1 2025 | 5.17% | 1.83% | 3.33% | 5.99% | 2.24% |
| Q2 2025 | 4.96% | 1.80% | 3.18% | 5.72% | 2.21% |
| Q3 2025 | 5.19% | 1.82% | 3.43% | 6.21% | 1.90% |
| Q4 2025 | 5.46% | 1.77% | 3.76% | 6.62% | 1.85% |
| Q1 2026 | 5.05% | 1.66% | 3.46% | 6.10% | 1.84% |
| Q2 2026 | 5.10% | 1.61% | 3.59% | 6.12% | 1.82% |
Sterling Federal Bank, Federal Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sterling Federal Bank, Federal Savings Bank, 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 Sterling Federal Bank, Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27664) · FFIEC NIC profile (RSSD 867070)