Barrington Bank & Trust Company, N.A.: 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.
Total interest expense climbed 7.6% in Q2 2026, from $23.3M to $25.1M. It was the largest change from Q1 2026 among the key lines here. Barrington Bank & Trust Company, N.A. ranks 250th of 323 Illinois banks on net interest margin, in the lower half at 3.24% (Q2 2026). Barrington Bank & Trust Company, N.A. reported 3.24% on net interest margin for Q2 2026, 0.47 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.31% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.72% |
| Cost of borrowings | 3.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 2.68% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $53.8M |
| Total interest expense | $25.1M |
| Interest expense on deposits | $21.8M |
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 | 5.32% | 2.31% | 3.19% |
| Q4 2023 | 5.55% | 2.48% | 3.25% |
| Q1 2024 | 5.64% | 2.67% | 3.16% |
| Q2 2024 | 5.75% | 2.97% | 2.97% |
| Q3 2024 | 5.94% | 2.95% | 3.17% |
| Q4 2024 | 5.80% | 2.79% | 3.20% |
| Q1 2025 | 5.46% | 2.60% | 3.04% |
| Q2 2025 | 5.67% | 2.61% | 3.25% |
| Q3 2025 | 5.72% | 2.65% | 3.25% |
| Q4 2025 | 5.56% | 2.48% | 3.28% |
| Q1 2026 | 5.37% | 2.28% | 3.24% |
| Q2 2026 | 5.40% | 2.31% | 3.24% |
Barrington Bank & Trust Company, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Barrington Bank & Trust Company, N.A., 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 Barrington Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34395) · FFIEC NIC profile (RSSD 2508751)