Time 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.
Cost of borrowings dropped 0.77 percentage points in Q2 2026, from 2.06% to 1.29%. It was the largest change from Q1 2026 among the key lines here. Time Bank ranks 41st of 323 Illinois banks on net interest margin, in the upper half at 4.51% (Q2 2026). Time Bank reported 4.51% on net interest margin for Q2 2026, 0.57 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.83% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | 1.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.4M |
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 | 6.01% | 1.86% | 4.41% | 6.94% | 2.30% |
| Q4 2023 | 6.20% | 2.04% | 4.46% | 7.05% | 2.66% |
| Q1 2024 | 6.26% | 2.25% | 4.34% | 7.03% | 2.99% |
| Q2 2024 | 6.25% | 2.16% | 4.41% | 6.99% | 3.08% |
| Q3 2024 | 6.31% | 2.17% | 4.46% | 7.10% | 3.11% |
| Q4 2024 | 6.23% | 1.90% | 4.52% | 6.98% | 3.22% |
| Q1 2025 | 5.90% | 2.07% | 4.10% | 6.77% | 3.61% |
| Q2 2025 | 6.15% | 1.91% | 4.41% | 6.98% | 3.74% |
| Q3 2025 | 6.13% | 1.94% | 4.38% | 7.02% | 3.86% |
| Q4 2025 | 6.11% | 1.72% | 4.56% | 6.96% | 3.80% |
| Q1 2026 | 5.80% | 1.57% | 4.37% | 6.68% | 3.69% |
| Q2 2026 | 5.93% | 1.58% | 4.51% | 6.83% | 3.78% |
Time 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 Time 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 Time Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34038) · FFIEC NIC profile (RSSD 2316714)