First Community Bank and Trust: 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 Cost of borrowings, which fell 0.33 percentage points to 2.64%. On net interest margin, First Community Bank and Trust ranks 25th highest among the 323 banks headquartered in Illinois, at 4.68% (Q2 2026). First Community Bank and Trust reported 4.68% on net interest margin for Q2 2026, 0.73 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 7.21% |
| Yield on securities | 3.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | 2.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.68% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $449K |
| Interest expense on deposits | $437K |
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 | 4.83% | 0.60% | 4.28% | 6.53% | 2.42% |
| Q4 2023 | 5.16% | 0.85% | 4.37% | 7.04% | 2.45% |
| Q1 2024 | 5.06% | 0.87% | 4.26% | 6.81% | 2.42% |
| Q2 2024 | 4.96% | 1.04% | 4.02% | 6.65% | 2.39% |
| Q3 2024 | 5.22% | 1.21% | 4.12% | 6.88% | 2.44% |
| Q4 2024 | 5.28% | 1.21% | 4.18% | 6.93% | 2.88% |
| Q1 2025 | 4.99% | 1.09% | 3.99% | 6.50% | 2.81% |
| Q2 2025 | 5.47% | 1.00% | 4.56% | 6.85% | 3.42% |
| Q3 2025 | 5.56% | 1.20% | 4.48% | 6.85% | 3.81% |
| Q4 2025 | 5.63% | 1.19% | 4.54% | 6.98% | 3.85% |
| Q1 2026 | 5.49% | 1.06% | 4.52% | 6.90% | 3.75% |
| Q2 2026 | 5.64% | 1.05% | 4.68% | 7.21% | 3.95% |
First Community Bank and Trust 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 Community Bank and Trust, 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 Community Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15913) · FFIEC NIC profile (RSSD 371232)