Carrollton 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.42%, the biggest move on this page. Within Illinois, Carrollton Bank is 212th of 323 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Carrollton Bank sits 0.29 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 5.97% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 227.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $44.1M |
| Total interest expense | $19.2M |
| Interest expense on deposits | $19.1M |
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 | 5.10% | 2.33% | 2.91% | 5.47% | 2.00% |
| Q4 2023 | 5.23% | 2.53% | 2.96% | 5.50% | 2.04% |
| Q1 2024 | 5.34% | 2.61% | 2.99% | 5.67% | 2.20% |
| Q2 2024 | 5.48% | 2.68% | 3.06% | 5.84% | 2.46% |
| Q3 2024 | 5.65% | 2.66% | 3.17% | 6.01% | 2.64% |
| Q4 2024 | 5.61% | 2.64% | 3.15% | 6.03% | 2.70% |
| Q1 2025 | 5.44% | 2.65% | 3.04% | 5.86% | 2.91% |
| Q2 2025 | 5.49% | 2.69% | 3.05% | 5.94% | 3.06% |
| Q3 2025 | 5.59% | 2.71% | 3.14% | 6.11% | 3.14% |
| Q4 2025 | 5.49% | 2.44% | 3.27% | 6.06% | 3.40% |
| Q1 2026 | 5.33% | 2.26% | 3.27% | 5.84% | 3.16% |
| Q2 2026 | 5.45% | 2.26% | 3.42% | 5.97% | 3.27% |
Carrollton 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 Carrollton 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 Carrollton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12383) · FFIEC NIC profile (RSSD 1001648)