Beverly 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 rose 6.2% from Q1 2026 to Q2 2026, ending at $12.2M against $11.4M. It was the largest change among the key lines on this page. Beverly Bank & Trust Company, N.A. ranks 170th of 323 Illinois banks on net interest margin, in the lower half at 3.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Beverly Bank & Trust Company, N.A. reported 3.65% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 5.86% |
| Yield on securities | 4.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.46% |
| Cost of borrowings | 3.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $29.9M |
| Total interest expense | $12.2M |
| Interest expense on deposits | $11.3M |
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 | 5.85% | 2.29% | 3.77% | 6.17% | 2.38% |
| Q4 2023 | 6.07% | 2.46% | 3.81% | 6.38% | 3.52% |
| Q1 2024 | 6.01% | 2.58% | 3.64% | 6.33% | 3.77% |
| Q2 2024 | 6.17% | 2.69% | 3.70% | 6.53% | 3.78% |
| Q3 2024 | 6.23% | 2.80% | 3.64% | 6.59% | 3.78% |
| Q4 2024 | 5.99% | 2.62% | 3.61% | 6.42% | 3.55% |
| Q1 2025 | 5.95% | 2.44% | 3.73% | 6.29% | 4.22% |
| Q2 2025 | 5.91% | 2.43% | 3.68% | 6.21% | 4.33% |
| Q3 2025 | 5.84% | 2.45% | 3.59% | 6.12% | 4.36% |
| Q4 2025 | 5.78% | 2.27% | 3.72% | 6.10% | 4.26% |
| Q1 2026 | 5.53% | 2.04% | 3.67% | 5.83% | 4.30% |
| Q2 2026 | 5.58% | 2.09% | 3.65% | 5.86% | 4.42% |
Beverly 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 Beverly 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 Beverly Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57701) · FFIEC NIC profile (RSSD 3216017)