Bank of Belleville: 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 0.10 percentage points, from 3.19% to 3.29%, the largest move among the key lines here. Within Illinois, Bank of Belleville is 239th of 323 on net interest margin, 3.29% as of Q2 2026, below the middle of the field. Bank of Belleville reported 3.29% on net interest margin for Q2 2026, 0.66 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 6.08% |
| Yield on securities | 3.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 3.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.2M |
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 | 4.75% | 2.38% | 2.47% | 5.19% | 2.82% |
| Q4 2023 | 4.90% | 2.57% | 2.43% | 5.36% | 2.88% |
| Q1 2024 | 4.97% | 2.65% | 2.41% | 5.41% | 2.99% |
| Q2 2024 | 5.16% | 2.76% | 2.50% | 5.65% | 3.08% |
| Q3 2024 | 5.27% | 2.80% | 2.58% | 5.77% | 3.17% |
| Q4 2024 | 5.28% | 2.63% | 2.75% | 5.82% | 3.25% |
| Q1 2025 | 5.25% | 2.45% | 2.87% | 5.75% | 3.34% |
| Q2 2025 | 5.17% | 2.43% | 2.81% | 5.69% | 3.41% |
| Q3 2025 | 5.49% | 2.47% | 3.10% | 6.03% | 3.65% |
| Q4 2025 | 5.50% | 2.37% | 3.23% | 6.09% | 3.78% |
| Q1 2026 | 5.44% | 2.33% | 3.19% | 6.05% | 3.77% |
| Q2 2026 | 5.49% | 2.31% | 3.29% | 6.08% | 3.78% |
Bank of Belleville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Belleville, 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 Bank of Belleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58114) · FFIEC NIC profile (RSSD 3374403)