Blackhawk Bank & Trust: 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.
Yield on securities climbed 1.22 percentage points in Q2 2026, from 2.99% to 4.21%. It was the largest change from Q1 2026 among the key lines here. Blackhawk Bank & Trust ranks 144th of 323 Illinois banks on net interest margin, in the upper half at 3.79% (Q2 2026). At 3.79%, Blackhawk Bank & Trust's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.34% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.22% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.50% |
| Cost of borrowings | 3.54% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.8M |
| Total interest expense | $9.7M |
| Interest expense on deposits | $7.9M |
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 | 3.79% | 2.10% | 1.65% | 5.38% | 2.10% |
| Q4 2023 | 3.96% | 2.19% | 1.74% | 5.51% | 2.12% |
| Q1 2024 | 4.01% | 2.51% | 1.69% | 5.55% | 2.12% |
| Q2 2024 | 4.46% | 2.57% | 2.05% | 5.76% | 2.47% |
| Q3 2024 | 4.50% | 2.72% | 1.98% | 5.92% | 2.18% |
| Q4 2024 | 4.63% | 2.59% | 2.33% | 5.95% | 2.10% |
| Q1 2025 | 4.71% | 2.47% | 2.50% | 5.98% | 2.31% |
| Q2 2025 | 4.93% | 2.50% | 2.69% | 6.14% | 2.54% |
| Q3 2025 | 5.15% | 2.46% | 2.97% | 6.23% | 2.70% |
| Q4 2025 | 5.41% | 2.33% | 3.32% | 6.28% | 3.20% |
| Q1 2026 | 5.29% | 2.09% | 3.34% | 6.11% | 2.99% |
| Q2 2026 | 5.81% | 2.22% | 3.79% | 6.34% | 4.21% |
Blackhawk Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blackhawk Bank & Trust, 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 Blackhawk Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18402) · FFIEC NIC profile (RSSD 890742)