The First National Bank in Tremont: 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 0.19 percentage points to 4.05%. The First National Bank in Tremont ranks 94th of 323 Illinois banks on net interest margin, in the upper half at 4.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The First National Bank in Tremont reported 4.05% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.04% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.05% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $532K |
| Interest expense on deposits | $532K |
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 | 4.64% | 0.94% | 3.68% | 5.03% | 3.20% |
| Q4 2023 | 4.83% | 1.20% | 3.62% | 5.18% | 3.32% |
| Q1 2024 | 4.60% | 1.21% | 3.44% | 5.25% | 2.56% |
| Q2 2024 | 4.77% | 1.31% | 3.57% | 5.48% | 2.40% |
| Q3 2024 | 5.10% | 1.28% | 3.89% | 5.77% | 2.77% |
| Q4 2024 | 5.03% | 1.26% | 3.82% | 5.75% | 2.71% |
| Q1 2025 | 4.97% | 1.28% | 3.74% | 5.73% | 2.86% |
| Q2 2025 | 5.05% | 1.37% | 3.74% | 5.81% | 3.01% |
| Q3 2025 | 5.14% | 1.40% | 3.81% | 5.93% | 3.13% |
| Q4 2025 | 5.19% | 1.41% | 3.87% | 5.96% | 3.33% |
| Q1 2026 | 5.07% | 1.26% | 3.86% | 5.88% | 3.38% |
| Q2 2026 | 5.22% | 1.24% | 4.05% | 6.04% | 3.45% |
The First National Bank in Tremont 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 National Bank in Tremont, 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 National Bank in Tremont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3749) · FFIEC NIC profile (RSSD 353546)