The First Bank and Trust Company of Murphysboro: 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.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Net interest margin, from 3.88% to 3.90%. The First Bank and Trust Company of Murphysboro ranks 122nd of 323 Illinois banks on net interest margin, in the upper half at 3.90% (Q2 2026). At 3.90%, The First Bank and Trust Company of Murphysboro's net interest margin is close to the 3.89% median for banks in the < $100M asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 6.04% |
| Yield on securities | 2.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.97% |
| Cost of interest-bearing deposits | 1.18% |
| Cost of interest-bearing liabilities | 1.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $781K |
| Total interest expense | $184K |
| Interest expense on deposits | $184K |
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 | 4.47% | 0.95% | 3.57% | 5.37% | 2.07% |
| Q4 2023 | 4.92% | 1.13% | 3.84% | 5.95% | 2.16% |
| Q1 2024 | 4.67% | 1.34% | 3.37% | 5.70% | 1.78% |
| Q2 2024 | 4.88% | 1.37% | 3.57% | 5.83% | 2.09% |
| Q3 2024 | 4.96% | 1.27% | 3.77% | 6.00% | 2.12% |
| Q4 2024 | 4.80% | 1.12% | 3.75% | 5.82% | 1.97% |
| Q1 2025 | 4.69% | 1.07% | 3.67% | 5.69% | 2.17% |
| Q2 2025 | 4.81% | 0.95% | 3.87% | 5.86% | 2.03% |
| Q3 2025 | 5.09% | 0.92% | 4.18% | 6.18% | 2.33% |
| Q4 2025 | 4.92% | 0.92% | 4.01% | 6.00% | 2.23% |
| Q1 2026 | 4.86% | 0.99% | 3.88% | 6.01% | 2.11% |
| Q2 2026 | 4.85% | 0.97% | 3.90% | 6.04% | 2.13% |
The First Bank and Trust Company of Murphysboro yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company of Murphysboro, 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 The First Bank and Trust Company of Murphysboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3818) · FFIEC NIC profile (RSSD 303747)