Itasca Bank & Trust Co.: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.12% against 3.92%. It was the largest change among the key lines on this page. Itasca Bank & Trust Co. ranks 87th of 323 Illinois banks on net interest margin, in the upper half at 4.12% (Q2 2026). Itasca Bank & Trust Co. reported 4.12% on net interest margin for Q2 2026, 0.18 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.74% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.9M |
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 | 4.81% | 1.42% | 3.50% | 5.81% | 2.30% |
| Q4 2023 | 4.89% | 1.57% | 3.46% | 5.96% | 2.33% |
| Q1 2024 | 5.01% | 1.74% | 3.41% | 6.03% | 2.20% |
| Q2 2024 | 5.23% | 1.93% | 3.45% | 6.24% | 2.31% |
| Q3 2024 | 5.41% | 2.10% | 3.46% | 6.48% | 2.28% |
| Q4 2024 | 5.34% | 2.17% | 3.34% | 6.43% | 2.37% |
| Q1 2025 | 5.29% | 1.99% | 3.46% | 6.37% | 2.42% |
| Q2 2025 | 5.47% | 1.86% | 3.78% | 6.55% | 2.44% |
| Q3 2025 | 5.61% | 1.77% | 3.99% | 6.71% | 2.41% |
| Q4 2025 | 5.61% | 1.72% | 4.06% | 6.73% | 2.45% |
| Q1 2026 | 5.46% | 1.69% | 3.92% | 6.54% | 2.53% |
| Q2 2026 | 5.69% | 1.72% | 4.12% | 6.74% | 2.57% |
Itasca Bank & Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Itasca Bank & Trust Co., 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 Itasca Bank & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16666) · FFIEC NIC profile (RSSD 812436)