Hickory Point 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 0.22 percentage points to 3.72%. Hickory Point Bank and Trust ranks 156th of 323 Illinois banks on net interest margin, in the upper half at 3.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hickory Point Bank and Trust sits 0.23 points lower, at 3.72% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.91% |
| Yield on loans | 5.98% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.61% |
| Cost of interest-bearing liabilities | 1.62% |
| Cost of borrowings | 1.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.1M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.43% | 1.70% | 2.82% | 5.36% | 2.12% |
| Q4 2023 | 4.74% | 2.04% | 2.80% | 5.55% | 2.15% |
| Q1 2024 | 4.83% | 2.04% | 2.89% | 5.60% | 2.10% |
| Q2 2024 | 4.94% | 2.07% | 2.99% | 5.61% | 2.51% |
| Q3 2024 | 5.10% | 2.12% | 3.10% | 5.81% | 2.60% |
| Q4 2024 | 5.04% | 1.87% | 3.31% | 5.91% | 2.41% |
| Q1 2025 | 4.90% | 1.57% | 3.43% | 5.81% | 2.54% |
| Q2 2025 | 4.96% | 1.54% | 3.52% | 5.90% | 2.54% |
| Q3 2025 | 5.05% | 1.52% | 3.63% | 6.03% | 2.75% |
| Q4 2025 | 4.99% | 1.42% | 3.66% | 5.98% | 2.84% |
| Q1 2026 | 4.71% | 1.31% | 3.50% | 5.69% | 2.85% |
| Q2 2026 | 4.91% | 1.28% | 3.72% | 5.98% | 2.88% |
Hickory Point 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 Hickory Point 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 Hickory Point Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22874) · FFIEC NIC profile (RSSD 550635)