Belmont 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 4.08%. Belmont Bank & Trust Company ranks 90th of 323 Illinois banks on net interest margin, in the upper half at 4.08% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Belmont Bank & Trust Company sits 0.37 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 7.45% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.6M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $5.6M |
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 | 5.82% | 2.41% | 3.71% | 6.72% | 2.57% |
| Q4 2023 | 5.96% | 2.62% | 3.65% | 6.88% | 2.72% |
| Q1 2024 | 5.98% | 2.70% | 3.58% | 6.87% | 2.80% |
| Q2 2024 | 5.94% | 2.79% | 3.46% | 6.82% | 2.72% |
| Q3 2024 | 6.22% | 2.89% | 3.67% | 7.13% | 2.72% |
| Q4 2024 | 6.14% | 2.72% | 3.73% | 7.06% | 2.70% |
| Q1 2025 | 6.09% | 2.54% | 3.83% | 6.98% | 2.80% |
| Q2 2025 | 6.17% | 2.59% | 3.86% | 7.07% | 2.81% |
| Q3 2025 | 6.34% | 2.65% | 4.01% | 7.36% | 2.74% |
| Q4 2025 | 6.33% | 2.55% | 4.08% | 7.48% | 2.80% |
| Q1 2026 | 6.07% | 2.45% | 3.90% | 7.20% | 2.84% |
| Q2 2026 | 6.28% | 2.44% | 4.08% | 7.45% | 2.88% |
Belmont 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 Belmont 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 Belmont Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58165) · FFIEC NIC profile (RSSD 3391718)