Bank & Trust Company: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.69%. Bank & Trust Company ranks 163rd of 323 Illinois banks on net interest margin, in the lower half at 3.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank & Trust Company sits 0.26 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.43% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 2.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.6M |
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 | 4.32% | 1.32% | 3.13% | 5.52% | 1.81% |
| Q4 2023 | 4.52% | 1.71% | 2.95% | 5.71% | 1.84% |
| Q1 2024 | 4.67% | 1.89% | 2.95% | 5.85% | 1.86% |
| Q2 2024 | 5.47% | 2.18% | 3.51% | 6.80% | 2.43% |
| Q3 2024 | 5.00% | 2.11% | 3.08% | 6.26% | 2.19% |
| Q4 2024 | 5.04% | 2.08% | 3.16% | 6.27% | 2.37% |
| Q1 2025 | 5.06% | 1.96% | 3.27% | 6.22% | 2.52% |
| Q2 2025 | 5.21% | 1.98% | 3.44% | 6.38% | 2.83% |
| Q3 2025 | 5.41% | 2.08% | 3.56% | 6.54% | 3.11% |
| Q4 2025 | 5.43% | 2.12% | 3.55% | 6.49% | 3.18% |
| Q1 2026 | 5.38% | 2.01% | 3.61% | 6.36% | 3.22% |
| Q2 2026 | 5.45% | 2.02% | 3.69% | 6.43% | 3.38% |
Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1047) · FFIEC NIC profile (RSSD 496845)