First Secure Bank and Trust Co.: 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 standout move of Q2 2026 was in Net interest margin: 0.42 percentage points lower than in Q1 2026, at 3.42%. Within Illinois, First Secure Bank and Trust Co. is 212th of 323 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Secure Bank and Trust Co. sits 0.53 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.56% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 |
|---|---|---|---|
| Q3 2023 | 5.54% | 2.87% | 2.90% |
| Q4 2023 | 5.63% | 3.33% | 2.61% |
| Q1 2024 | 5.79% | 3.25% | 2.58% |
| Q2 2024 | 5.88% | 3.52% | 2.63% |
| Q3 2024 | 6.26% | 3.52% | 3.03% |
| Q4 2024 | 5.65% | 3.45% | 2.44% |
| Q1 2025 | 5.47% | 3.14% | 2.56% |
| Q2 2025 | 5.81% | 2.99% | 3.06% |
| Q3 2025 | 5.94% | 2.82% | 3.40% |
| Q4 2025 | 6.11% | 2.77% | 3.60% |
| Q1 2026 | 6.15% | 2.55% | 3.84% |
| Q2 2026 | 5.71% | 2.56% | 3.42% |
First Secure Bank and Trust Co. 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 Secure Bank and Trust Co., 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 Secure Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22536) · FFIEC NIC profile (RSSD 25647)