Union National 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.3% to $1.7M. Within Illinois, Union National Bank is 186th of 323 on net interest margin, 3.58% 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. Union National Bank sits 0.37 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 5.60% |
| Yield on securities | 3.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 4.84% | 1.06% | 3.95% | 4.86% | 4.74% |
| Q4 2023 | 5.11% | 1.37% | 3.91% | 5.02% | 4.72% |
| Q1 2024 | 5.01% | 1.63% | 3.60% | 5.07% | 4.60% |
| Q2 2024 | 5.20% | 1.74% | 3.68% | 5.16% | 5.00% |
| Q3 2024 | 5.25% | 1.72% | 3.74% | 5.35% | 5.14% |
| Q4 2024 | 5.25% | 1.57% | 3.89% | 5.32% | 5.08% |
| Q1 2025 | 4.98% | 1.38% | 3.78% | 5.23% | 4.74% |
| Q2 2025 | 5.23% | 1.32% | 4.05% | 5.35% | 4.10% |
| Q3 2025 | 5.20% | 1.41% | 3.97% | 5.49% | 3.95% |
| Q4 2025 | 5.39% | 1.40% | 4.18% | 5.53% | 3.89% |
| Q1 2026 | 5.39% | 1.91% | 3.75% | 5.57% | 3.79% |
| Q2 2026 | 5.22% | 2.03% | 3.58% | 5.60% | 3.95% |
Union National 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 Union National 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 Union National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3661) · FFIEC NIC profile (RSSD 963730)