Brickyard 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 4.51%. Within Illinois, Brickyard Bank is 41st of 323 on net interest margin, 4.51% as of Q2 2026. Brickyard Bank reported 4.51% on net interest margin for Q2 2026, 0.57 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 7.02% |
| Yield on securities | 3.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 3.04% |
| Cost of borrowings | 4.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $669K |
| Interest expense on deposits | $509K |
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 | 5.23% | 0.99% | 4.35% | 5.71% | 2.67% |
| Q4 2023 | 5.79% | 1.55% | 4.40% | 6.42% | 2.67% |
| Q1 2024 | 5.56% | 1.87% | 3.91% | 6.11% | 2.67% |
| Q2 2024 | 5.81% | 2.41% | 3.66% | 6.38% | 2.74% |
| Q3 2024 | 6.02% | 2.61% | 3.71% | 6.61% | 2.81% |
| Q4 2024 | 5.92% | 2.48% | 3.68% | 6.67% | 2.95% |
| Q1 2025 | 5.81% | 2.24% | 3.86% | 6.61% | 3.33% |
| Q2 2025 | 5.96% | 2.41% | 3.83% | 6.71% | 3.41% |
| Q3 2025 | 5.95% | 2.30% | 3.93% | 6.87% | 3.28% |
| Q4 2025 | 5.94% | 2.05% | 4.17% | 6.92% | 3.51% |
| Q1 2026 | 6.07% | 1.99% | 4.39% | 6.99% | 3.44% |
| Q2 2026 | 6.16% | 1.94% | 4.51% | 7.02% | 3.43% |
Brickyard 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 Brickyard 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 Brickyard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22811) · FFIEC NIC profile (RSSD 270531)