FNBC 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 Net interest margin, which rose 0.25 percentage points to 3.43%. Within Illinois, FNBC Bank and Trust is 208th of 323 on net interest margin, 3.43% as of Q2 2026, below the middle of the field. FNBC Bank and Trust reported 3.43% on net interest margin for Q2 2026, 0.52 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.42% |
| Yield on loans | 5.75% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.07% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 3.30% | 0.98% | 2.40% | 4.74% | 1.45% |
| Q4 2023 | 3.43% | 1.11% | 2.40% | 4.95% | 1.47% |
| Q1 2024 | 3.49% | 1.18% | 2.39% | 4.92% | 1.66% |
| Q2 2024 | 3.62% | 1.28% | 2.44% | 5.06% | 1.69% |
| Q3 2024 | 3.78% | 1.29% | 2.58% | 5.37% | 1.64% |
| Q4 2024 | 3.80% | 1.27% | 2.63% | 5.30% | 1.76% |
| Q1 2025 | 3.79% | 1.18% | 2.71% | 5.20% | 1.91% |
| Q2 2025 | 3.88% | 1.19% | 2.77% | 5.29% | 1.99% |
| Q3 2025 | 4.01% | 1.24% | 2.86% | 5.32% | 2.12% |
| Q4 2025 | 4.15% | 1.19% | 3.05% | 5.51% | 2.28% |
| Q1 2026 | 4.15% | 1.06% | 3.18% | 5.46% | 2.36% |
| Q2 2026 | 4.42% | 1.07% | 3.43% | 5.75% | 2.51% |
FNBC 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 FNBC 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 FNBC Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11306) · FFIEC NIC profile (RSSD 608844)