Cornerstone National 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 4.03% against 3.89%. It was the largest change among the key lines on this page. Cornerstone National Bank & Trust Company ranks 97th of 323 Illinois banks on net interest margin, in the upper half at 4.03% (Q2 2026). Cornerstone National Bank & Trust Company reported 4.03% on net interest margin for Q2 2026, 0.32 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.53% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.65% |
| Cost of interest-bearing deposits | 2.43% |
| Cost of interest-bearing liabilities | 2.43% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.2M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.25% | 1.71% | 3.69% |
| Q4 2023 | 5.41% | 1.95% | 3.64% |
| Q1 2024 | 5.45% | 2.11% | 3.53% |
| Q2 2024 | 5.38% | 2.18% | 3.40% |
| Q3 2024 | 5.53% | 2.29% | 3.47% |
| Q4 2024 | 5.35% | 2.13% | 3.47% |
| Q1 2025 | 5.24% | 1.89% | 3.54% |
| Q2 2025 | 5.48% | 1.89% | 3.75% |
| Q3 2025 | 5.64% | 1.94% | 3.89% |
| Q4 2025 | 5.48% | 1.80% | 3.87% |
| Q1 2026 | 5.39% | 1.65% | 3.89% |
| Q2 2026 | 5.53% | 1.65% | 4.03% |
Cornerstone National 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 Cornerstone National 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 Cornerstone National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57061) · FFIEC NIC profile (RSSD 2929392)