Banterra 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.
Cost of borrowings fell 0.71 percentage points from Q1 2026 to Q2 2026, ending at 4.53% against 5.23%. It was the largest change among the key lines on this page. Within Illinois, Banterra Bank is 208th of 323 on net interest margin, 3.43% as of Q2 2026, below the middle of the field. Banterra Bank reported 3.43% on net interest margin for Q2 2026, 0.28 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.13% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.07% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 4.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.9M |
| Total interest expense | $17.3M |
| Interest expense on deposits | $16.4M |
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 | 4.83% | 2.22% | 2.49% | 5.39% | 2.68% |
| Q4 2023 | 5.12% | 2.43% | 2.57% | 5.57% | 2.67% |
| Q1 2024 | 4.92% | 2.57% | 2.23% | 5.51% | 2.72% |
| Q2 2024 | 5.28% | 2.55% | 2.60% | 5.57% | 2.63% |
| Q3 2024 | 5.32% | 2.66% | 2.53% | 5.87% | 2.65% |
| Q4 2024 | 5.50% | 2.53% | 2.85% | 6.05% | 2.62% |
| Q1 2025 | 5.35% | 2.31% | 2.92% | 5.88% | 2.61% |
| Q2 2025 | 5.68% | 2.31% | 3.26% | 6.29% | 2.61% |
| Q3 2025 | 5.66% | 2.33% | 3.21% | 6.24% | 2.64% |
| Q4 2025 | 5.68% | 2.25% | 3.33% | 6.28% | 2.58% |
| Q1 2026 | 5.50% | 2.09% | 3.32% | 6.07% | 2.63% |
| Q2 2026 | 5.59% | 2.07% | 3.43% | 6.13% | 2.61% |
Banterra 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 Banterra 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 Banterra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17514) · FFIEC NIC profile (RSSD 502849)