First National Bank and Trust Company: 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 Net interest margin, which rose 0.28 percentage points to 2.73%. On net interest margin, First National Bank and Trust Company is 18th from the bottom among 323 Illinois banks, 2.73% (Q2 2026). First National Bank and Trust Company reported 2.73% on net interest margin for Q2 2026, 1.22 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.85% |
| Yield on loans | 6.45% |
| Yield on securities | 3.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.23% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 3.65% | 1.41% | 2.19% | 4.88% | 2.99% |
| Q4 2023 | 3.94% | 1.77% | 2.09% | 5.33% | 3.10% |
| Q1 2024 | 4.44% | 1.87% | 2.37% | 5.40% | 3.87% |
| Q2 2024 | 4.03% | 2.06% | 1.77% | 5.44% | 3.17% |
| Q3 2024 | 4.31% | 2.15% | 1.99% | 5.81% | 3.48% |
| Q4 2024 | 4.51% | 2.15% | 2.18% | 6.12% | 3.65% |
| Q1 2025 | 4.41% | 2.01% | 2.14% | 5.80% | 3.72% |
| Q2 2025 | 4.41% | 2.18% | 2.05% | 5.99% | 3.60% |
| Q3 2025 | 4.63% | 2.07% | 2.37% | 6.24% | 3.74% |
| Q4 2025 | 4.63% | 2.06% | 2.40% | 6.32% | 3.46% |
| Q1 2026 | 4.49% | 2.02% | 2.45% | 6.14% | 3.48% |
| Q2 2026 | 4.85% | 2.03% | 2.73% | 6.45% | 3.68% |
First National Bank and Trust Company 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 National Bank and Trust Company, 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 National Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3639) · FFIEC NIC profile (RSSD 32234)