Union 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.
Cost of interest-bearing deposits rose 0.45 percentage points from Q1 2026 to Q2 2026, ending at 1.45% against 1.00%. It was the largest change among the key lines on this page. Union Savings Bank ranks 172nd of 323 Illinois banks on net interest margin, in the lower half at 3.64% (Q2 2026). Union Savings Bank reported 3.64% on net interest margin for Q2 2026, 0.31 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $527K |
| Interest expense on deposits | $527K |
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 |
|---|---|---|---|
| Q3 2023 | 3.50% | 1.10% | 2.46% |
| Q4 2023 | 3.56% | 1.29% | 2.34% |
| Q1 2024 | 3.64% | 1.37% | 2.34% |
| Q2 2024 | 3.80% | 1.41% | 2.48% |
| Q3 2024 | 3.96% | 1.46% | 2.59% |
| Q4 2024 | 3.97% | 1.34% | 2.73% |
| Q1 2025 | 4.03% | 1.28% | 2.82% |
| Q2 2025 | 4.24% | 1.22% | 3.09% |
| Q3 2025 | 4.40% | 1.21% | 3.27% |
| Q4 2025 | 4.42% | 1.16% | 3.36% |
| Q1 2026 | 4.53% | 0.87% | 3.70% |
| Q2 2026 | 4.85% | 1.26% | 3.64% |
Union 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 Union 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 Union Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29121) · FFIEC NIC profile (RSSD 817477)