Teutopolis State 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 3.70%, the biggest move on this page. Teutopolis State Bank ranks 161st of 323 Illinois banks on net interest margin, in the upper half at 3.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Teutopolis State Bank sits 0.24 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.06% |
| Yield on securities | 3.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.17% |
| Cost of interest-bearing deposits | 1.58% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $909K |
| Interest expense on deposits | $909K |
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 | 3.69% | 0.93% | 2.87% | 4.97% | 1.93% |
| Q4 2023 | 3.75% | 1.11% | 2.76% | 5.04% | 1.97% |
| Q1 2024 | 3.99% | 1.30% | 2.81% | 5.32% | 2.06% |
| Q2 2024 | 4.07% | 1.42% | 2.80% | 5.38% | 2.13% |
| Q3 2024 | 4.24% | 1.44% | 2.95% | 5.58% | 2.23% |
| Q4 2024 | 4.27% | 1.34% | 3.06% | 5.55% | 2.41% |
| Q1 2025 | 4.37% | 1.34% | 3.16% | 5.70% | 2.63% |
| Q2 2025 | 4.46% | 1.27% | 3.31% | 5.76% | 2.86% |
| Q3 2025 | 4.63% | 1.28% | 3.47% | 5.92% | 3.00% |
| Q4 2025 | 4.57% | 1.26% | 3.45% | 5.90% | 3.07% |
| Q1 2026 | 4.66% | 1.23% | 3.56% | 5.99% | 3.14% |
| Q2 2026 | 4.74% | 1.17% | 3.70% | 6.06% | 3.21% |
Teutopolis State 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 Teutopolis State 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 Teutopolis State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11708) · FFIEC NIC profile (RSSD 134848)