First Bankers 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.
Compared with Q1 2026, Total interest expense fell 3.6% in Q2 2026 to $4.8M, the biggest move on this page. On net interest margin, First Bankers Trust Company, N.A. is 33rd from the bottom among 323 Illinois banks, 2.91% (Q2 2026). First Bankers Trust Company, N.A. reported 2.91% on net interest margin for Q2 2026, 0.80 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.57% |
| Yield on loans | 6.20% |
| Yield on securities | 2.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | 3.37% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.91% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.7M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.1M |
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 | 3.82% | 1.74% | 2.16% | 5.18% | 2.09% |
| Q4 2023 | 4.04% | 1.66% | 2.34% | 5.48% | 2.24% |
| Q1 2024 | 4.12% | 1.91% | 2.20% | 5.53% | 2.25% |
| Q2 2024 | 4.27% | 2.08% | 2.26% | 5.69% | 2.30% |
| Q3 2024 | 4.51% | 2.16% | 2.41% | 5.98% | 2.37% |
| Q4 2024 | 4.32% | 2.10% | 2.33% | 5.89% | 1.98% |
| Q1 2025 | 4.33% | 1.99% | 2.44% | 5.85% | 2.21% |
| Q2 2025 | 4.51% | 2.04% | 2.58% | 6.04% | 2.38% |
| Q3 2025 | 4.65% | 2.06% | 2.69% | 6.24% | 2.40% |
| Q4 2025 | 4.61% | 1.90% | 2.81% | 6.23% | 2.42% |
| Q1 2026 | 4.55% | 1.76% | 2.86% | 6.18% | 2.46% |
| Q2 2026 | 4.57% | 1.75% | 2.91% | 6.20% | 2.52% |
First Bankers 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 First Bankers 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 First Bankers Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16501) · FFIEC NIC profile (RSSD 344647)