Country Trust 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 0.03 percentage points between Q1 2026 and Q2 2026, to 5.17%. On net interest margin, Country Trust Bank ranks 9th highest among the 323 banks headquartered in Illinois, at 5.17% (Q2 2026). Country Trust Bank reported 5.17% on net interest margin for Q2 2026, 1.28 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | — |
| Yield on securities | 5.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.00% |
| Cost of interest-bearing deposits | 0.00% |
| Cost of interest-bearing liabilities | 0.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.17% |
| Yield to cost spread | 5.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 5.06% | 0.00% | 5.06% | 5.06% |
| Q4 2023 | 5.32% | 0.00% | 5.32% | 5.32% |
| Q1 2024 | 5.31% | 0.00% | 5.31% | 5.31% |
| Q2 2024 | 5.18% | 0.00% | 5.18% | 5.18% |
| Q3 2024 | 5.20% | 0.00% | 5.20% | 5.20% |
| Q4 2024 | 5.11% | 0.00% | 5.11% | 5.11% |
| Q1 2025 | 4.73% | 0.00% | 4.73% | 4.73% |
| Q2 2025 | 5.04% | 0.00% | 5.04% | 5.04% |
| Q3 2025 | 5.23% | 0.00% | 5.23% | 5.23% |
| Q4 2025 | 5.34% | 0.00% | 5.34% | 5.34% |
| Q1 2026 | 5.14% | 0.00% | 5.14% | 5.14% |
| Q2 2026 | 5.17% | 0.00% | 5.17% | 5.17% |
Country Trust 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 Country Trust 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 Country Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35602) · FFIEC NIC profile (RSSD 449935)