Hinsdale Bank & Trust Company, N.A.: 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 Total interest expense: 11.0% higher than in Q1 2026, at $35.2M. Within Illinois, Hinsdale Bank & Trust Company, N.A. is 251st of 323 on net interest margin, 3.22% as of Q2 2026, below the middle of the field. Hinsdale Bank & Trust Company, N.A. reported 3.22% on net interest margin for Q2 2026, 0.49 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 6.01% |
| Yield on securities | 3.46% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $70.8M |
| Total interest expense | $35.2M |
| Interest expense on deposits | $31.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.66% | 2.44% | 3.43% | 6.49% | 2.75% |
| Q4 2023 | 5.74% | 2.61% | 3.36% | 6.56% | 2.99% |
| Q1 2024 | 5.77% | 2.69% | 3.30% | 6.57% | 3.08% |
| Q2 2024 | 5.93% | 2.98% | 3.18% | 6.72% | 3.10% |
| Q3 2024 | 5.96% | 3.08% | 3.13% | 6.71% | 3.10% |
| Q4 2024 | 5.81% | 2.88% | 3.18% | 6.53% | 2.99% |
| Q1 2025 | 5.64% | 2.67% | 3.18% | 6.29% | 3.09% |
| Q2 2025 | 5.66% | 2.67% | 3.20% | 6.28% | 3.12% |
| Q3 2025 | 5.82% | 2.69% | 3.35% | 6.49% | 3.24% |
| Q4 2025 | 5.65% | 2.47% | 3.40% | 6.25% | 3.39% |
| Q1 2026 | 5.49% | 2.31% | 3.36% | 6.08% | 3.39% |
| Q2 2026 | 5.42% | 2.38% | 3.22% | 6.01% | 3.46% |
Hinsdale Bank & Trust Company, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hinsdale Bank & Trust Company, N.A., 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 Hinsdale Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33849) · FFIEC NIC profile (RSSD 2119773)