Germantown Trust & Savings Bank: 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.
In Q2 2026, Total interest expense edged down by 2.4%, from $2.2M to $2.2M, the largest move among the key lines here. Germantown Trust & Savings Bank ranks 230th of 323 Illinois banks on net interest margin, in the lower half at 3.34% (Q2 2026). Germantown Trust & Savings Bank reported 3.34% on net interest margin for Q2 2026, 0.61 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.41% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $2.2M |
| 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 | 3.81% | 1.47% | 2.49% | 4.73% | 2.65% |
| Q4 2023 | 3.96% | 1.70% | 2.44% | 5.00% | 2.65% |
| Q1 2024 | 4.05% | 1.87% | 2.38% | 5.16% | 2.64% |
| Q2 2024 | 4.24% | 1.93% | 2.52% | 5.47% | 2.66% |
| Q3 2024 | 4.39% | 2.09% | 2.52% | 5.71% | 2.65% |
| Q4 2024 | 4.55% | 2.15% | 2.63% | 5.98% | 2.61% |
| Q1 2025 | 4.66% | 2.10% | 2.78% | 6.05% | 2.77% |
| Q2 2025 | 4.77% | 2.08% | 2.91% | 6.27% | 2.79% |
| Q3 2025 | 4.87% | 2.06% | 3.03% | 6.38% | 2.97% |
| Q4 2025 | 4.94% | 2.00% | 3.15% | 6.48% | 3.00% |
| Q1 2026 | 4.95% | 1.91% | 3.24% | 6.38% | 3.14% |
| Q2 2026 | 4.99% | 1.84% | 3.34% | 6.41% | 3.22% |
Germantown Trust & Savings Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Germantown Trust & Savings Bank, 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 Germantown Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12113) · FFIEC NIC profile (RSSD 830748)