Villa Grove 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.86% to 3.98%, the largest move among the key lines here. Within Illinois, Villa Grove State Bank is 109th of 323 on net interest margin, 3.98% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin; Villa Grove State Bank reported 3.98% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | 2.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $797K |
| Total interest expense | $271K |
| Interest expense on deposits | $270K |
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 | 4.36% | 1.10% | 3.36% |
| Q4 2023 | 4.63% | 1.23% | 3.51% |
| Q1 2024 | 4.83% | 1.23% | 3.73% |
| Q2 2024 | 4.99% | 1.39% | 3.75% |
| Q3 2024 | 5.20% | 1.53% | 3.83% |
| Q4 2024 | 5.22% | 1.62% | 3.78% |
| Q1 2025 | 5.05% | 1.56% | 3.67% |
| Q2 2025 | 5.26% | 1.55% | 3.88% |
| Q3 2025 | 5.40% | 1.68% | 3.94% |
| Q4 2025 | 5.41% | 1.67% | 3.92% |
| Q1 2026 | 5.21% | 1.50% | 3.86% |
| Q2 2026 | 5.24% | 1.42% | 3.98% |
Villa Grove 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 Villa Grove 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 Villa Grove State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9273) · FFIEC NIC profile (RSSD 474245)