First Trust Bank of Illinois: 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 Total interest expense, which rose 2.7% to $1.3M. On net interest margin, First Trust Bank of Illinois is 30th from the bottom among 323 Illinois banks, 2.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Trust Bank of Illinois sits 1.08 points lower, at 2.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | 1.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.2M |
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 | 3.53% | 1.03% | 2.60% |
| Q4 2023 | 3.81% | 1.30% | 2.60% |
| Q1 2024 | 3.81% | 1.49% | 2.44% |
| Q2 2024 | 4.03% | 1.62% | 2.54% |
| Q3 2024 | 4.00% | 1.74% | 2.38% |
| Q4 2024 | 3.99% | 1.76% | 2.36% |
| Q1 2025 | 3.98% | 1.67% | 2.43% |
| Q2 2025 | 4.05% | 1.64% | 2.55% |
| Q3 2025 | 4.14% | 1.63% | 2.64% |
| Q4 2025 | 4.10% | 1.56% | 2.69% |
| Q1 2026 | 4.16% | 1.44% | 2.84% |
| Q2 2026 | 4.20% | 1.42% | 2.87% |
First Trust Bank of Illinois 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 Trust Bank of Illinois, 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 Trust Bank of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34778) · FFIEC NIC profile (RSSD 2718596)