Lake Forest 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.42%. Lake Forest Bank & Trust Company, N.A. ranks 212th of 323 Illinois banks on net interest margin, in the lower half at 3.42% (Q2 2026). Lake Forest Bank & Trust Company, N.A. reported 3.42% on net interest margin for Q2 2026, 0.29 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 6.23% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $104.0M |
| Total interest expense | $46.2M |
| Interest expense on deposits | $38.2M |
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 | 6.19% | 2.47% | 3.88% | 7.12% | 2.60% |
| Q4 2023 | 6.13% | 2.61% | 3.73% | 7.10% | 2.98% |
| Q1 2024 | 6.28% | 2.68% | 3.78% | 7.19% | 3.03% |
| Q2 2024 | 6.55% | 2.92% | 3.83% | 7.50% | 3.04% |
| Q3 2024 | 6.43% | 3.05% | 3.56% | 7.28% | 3.04% |
| Q4 2024 | 6.11% | 2.75% | 3.55% | 6.96% | 2.84% |
| Q1 2025 | 5.81% | 2.52% | 3.44% | 6.66% | 3.03% |
| Q2 2025 | 5.83% | 2.52% | 3.48% | 6.69% | 3.08% |
| Q3 2025 | 5.76% | 2.56% | 3.33% | 6.53% | 3.09% |
| Q4 2025 | 5.57% | 2.38% | 3.37% | 6.42% | 3.09% |
| Q1 2026 | 5.47% | 2.25% | 3.34% | 6.17% | 3.14% |
| Q2 2026 | 5.59% | 2.30% | 3.42% | 6.23% | 3.17% |
Lake Forest 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 Lake Forest 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 Lake Forest Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27589) · FFIEC NIC profile (RSSD 1917301)