Vermilion Valley 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 standout move of Q2 2026 was in Cost of borrowings: 2.72 percentage points higher than in Q1 2026, at 3.85%. Vermilion Valley Bank ranks 158th of 323 Illinois banks on net interest margin, in the upper half at 3.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Vermilion Valley Bank sits 0.24 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.98% |
| Yield on loans | 6.15% |
| Yield on securities | 2.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.49% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $613K |
| Interest expense on deposits | $604K |
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 | 4.12% | 0.95% | 3.29% | 5.34% | 1.75% |
| Q4 2023 | 4.22% | 1.07% | 3.29% | 5.24% | 1.78% |
| Q1 2024 | 4.30% | 1.27% | 3.21% | 5.31% | 1.79% |
| Q2 2024 | 4.42% | 1.39% | 3.22% | 5.67% | 1.85% |
| Q3 2024 | 4.51% | 1.47% | 3.24% | 5.78% | 1.91% |
| Q4 2024 | 4.51% | 1.47% | 3.25% | 5.69% | 1.96% |
| Q1 2025 | 4.44% | 1.44% | 3.22% | 5.47% | 2.02% |
| Q2 2025 | 4.61% | 1.57% | 3.27% | 5.84% | 2.07% |
| Q3 2025 | 4.73% | 1.67% | 3.30% | 6.05% | 2.13% |
| Q4 2025 | 4.86% | 1.61% | 3.49% | 6.10% | 2.23% |
| Q1 2026 | 4.75% | 1.48% | 3.47% | 5.82% | 2.33% |
| Q2 2026 | 4.98% | 1.49% | 3.71% | 6.15% | 2.56% |
Vermilion Valley 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 Vermilion Valley 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 Vermilion Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11667) · FFIEC NIC profile (RSSD 666844)