Crystal Lake Bank & Trust Company, N.A.: 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 7.5% to $11.1M. Within Illinois, Crystal Lake Bank & Trust Company, N.A. is 223rd of 323 on net interest margin, 3.36% as of Q2 2026, below the middle of the field. Crystal Lake Bank & Trust Company, N.A. reported 3.36% on net interest margin for Q2 2026, 0.35 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $23.3M |
| Total interest expense | $11.1M |
| Interest expense on deposits | $9.9M |
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 |
|---|---|---|---|
| Q3 2023 | 6.05% | 2.39% | 3.87% |
| Q4 2023 | 6.04% | 2.60% | 3.69% |
| Q1 2024 | 6.06% | 2.64% | 3.67% |
| Q2 2024 | 6.21% | 2.72% | 3.70% |
| Q3 2024 | 6.27% | 2.93% | 3.57% |
| Q4 2024 | 6.02% | 2.81% | 3.46% |
| Q1 2025 | 5.88% | 2.59% | 3.52% |
| Q2 2025 | 5.96% | 2.56% | 3.63% |
| Q3 2025 | 5.97% | 2.66% | 3.54% |
| Q4 2025 | 5.57% | 2.50% | 3.29% |
| Q1 2026 | 5.42% | 2.24% | 3.38% |
| Q2 2026 | 5.45% | 2.28% | 3.36% |
Crystal Lake Bank & Trust Company, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Crystal Lake Bank & Trust Company, N.A., 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 Crystal Lake Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34681) · FFIEC NIC profile (RSSD 2624400)