Municipal Trust and 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.21 percentage points to 4.79%. On net interest margin, Municipal Trust and Savings Bank ranks 22nd highest among the 323 banks headquartered in Illinois, at 4.79% (Q2 2026). Municipal Trust and Savings Bank reported 4.79% on net interest margin for Q2 2026, 0.84 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.21% |
| Yield on securities | 2.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | 2.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $974K |
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 | 4.84% | 0.75% | 4.18% | 5.87% | 1.89% |
| Q4 2023 | 5.00% | 1.04% | 4.09% | 6.06% | 1.89% |
| Q1 2024 | 5.14% | 1.39% | 3.93% | 6.25% | 1.89% |
| Q2 2024 | 5.42% | 1.52% | 4.12% | 6.55% | 1.97% |
| Q3 2024 | 5.56% | 1.58% | 4.21% | 6.77% | 2.01% |
| Q4 2024 | 5.65% | 1.60% | 4.29% | 6.84% | 1.95% |
| Q1 2025 | 5.59% | 1.43% | 4.39% | 6.79% | 1.98% |
| Q2 2025 | 5.81% | 1.41% | 4.62% | 6.99% | 1.93% |
| Q3 2025 | 6.01% | 1.48% | 4.78% | 7.12% | 1.88% |
| Q4 2025 | 6.10% | 1.53% | 4.84% | 7.25% | 1.88% |
| Q1 2026 | 5.81% | 1.45% | 4.58% | 6.97% | 1.97% |
| Q2 2026 | 5.95% | 1.32% | 4.79% | 7.21% | 2.07% |
Municipal Trust and 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 Municipal Trust and 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 Municipal Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23546) · FFIEC NIC profile (RSSD 460332)