Warren-Boynton 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.49 percentage points to 4.36%. Warren-Boynton State Bank ranks 110th of 323 Illinois banks on net interest margin, in the upper half at 3.97% (Q2 2026). At 3.97%, Warren-Boynton State Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.29% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.05% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 4.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $889K |
| Interest expense on deposits | $829K |
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 | 4.58% | 1.58% | 3.18% | 5.11% | 2.50% |
| Q4 2023 | 4.69% | 1.63% | 3.31% | 5.24% | 2.56% |
| Q1 2024 | 4.69% | 1.65% | 3.19% | 5.23% | 2.61% |
| Q2 2024 | 4.94% | 1.70% | 3.40% | 5.54% | 2.64% |
| Q3 2024 | 5.09% | 1.84% | 3.48% | 5.74% | 2.59% |
| Q4 2024 | 5.11% | 1.81% | 3.47% | 5.72% | 2.66% |
| Q1 2025 | 5.01% | 1.74% | 3.44% | 5.66% | 2.70% |
| Q2 2025 | 5.10% | 1.81% | 3.48% | 5.71% | 2.80% |
| Q3 2025 | 5.24% | 1.77% | 3.66% | 5.87% | 2.84% |
| Q4 2025 | 5.44% | 1.84% | 3.82% | 6.25% | 3.00% |
| Q1 2026 | 5.44% | 1.69% | 3.93% | 6.22% | 3.10% |
| Q2 2026 | 5.49% | 1.71% | 3.97% | 6.29% | 3.17% |
Warren-Boynton 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 Warren-Boynton 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 Warren-Boynton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11674) · FFIEC NIC profile (RSSD 837448)