Stillman Banccorp, 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 2.76% to 2.85%, the largest move among the key lines here. On net interest margin, Stillman Banccorp, N.A. is 27th from the bottom among 323 Illinois banks, 2.85% (Q2 2026). Stillman Banccorp, N.A. reported 2.85% on net interest margin for Q2 2026, 1.09 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.30% |
| Yield on loans | 6.05% |
| Yield on securities | 2.65% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 1.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.85% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.2M |
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 | 3.27% | 1.20% | 1.99% | 5.25% | 2.22% |
| Q4 2023 | 3.50% | 1.40% | 2.02% | 5.39% | 2.43% |
| Q1 2024 | 3.42% | 1.66% | 1.88% | 5.45% | 2.23% |
| Q2 2024 | 3.71% | 1.79% | 2.06% | 5.71% | 2.48% |
| Q3 2024 | 3.85% | 1.98% | 2.02% | 5.79% | 2.51% |
| Q4 2024 | 3.90% | 1.85% | 2.19% | 5.82% | 2.54% |
| Q1 2025 | 3.82% | 1.71% | 2.23% | 5.82% | 2.32% |
| Q2 2025 | 4.01% | 1.63% | 2.51% | 5.98% | 2.43% |
| Q3 2025 | 4.12% | 1.70% | 2.55% | 5.95% | 2.47% |
| Q4 2025 | 4.20% | 1.67% | 2.66% | 6.05% | 2.52% |
| Q1 2026 | 4.22% | 1.57% | 2.76% | 6.01% | 2.59% |
| Q2 2026 | 4.30% | 1.57% | 2.85% | 6.05% | 2.65% |
Stillman Banccorp, 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 Stillman Banccorp, 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 Stillman Banccorp, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9263) · FFIEC NIC profile (RSSD 407645)