North Shore Trust and Savings: 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.
Compared with Q1 2026, Net interest margin fell 0.19 percentage points in Q2 2026 to 2.67%, the biggest move on this page. On net interest margin, North Shore Trust and Savings is 14th from the bottom among 323 Illinois banks, 2.67% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. North Shore Trust and Savings sits 1.28 points lower, at 2.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.86% |
| Yield on loans | 5.13% |
| Yield on securities | 2.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 3.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.67% |
| Yield to cost spread | 2.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $776K |
| Interest expense on deposits | $746K |
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 | 3.15% | 0.85% | 2.42% | 4.10% | 2.34% |
| Q4 2023 | 3.19% | 1.26% | 2.19% | 4.37% | 1.97% |
| Q1 2024 | 3.79% | 1.44% | 2.64% | 4.74% | 2.10% |
| Q2 2024 | 3.96% | 1.57% | 2.71% | 5.14% | 1.98% |
| Q3 2024 | 4.14% | 1.68% | 2.80% | 5.33% | 2.09% |
| Q4 2024 | 4.09% | 1.82% | 2.63% | 5.25% | 2.25% |
| Q1 2025 | 4.04% | 1.75% | 2.64% | 5.40% | 2.02% |
| Q2 2025 | 4.10% | 1.76% | 2.68% | 5.34% | 2.01% |
| Q3 2025 | 4.35% | 1.75% | 2.97% | 5.70% | 2.22% |
| Q4 2025 | 4.10% | 1.65% | 2.83% | 5.42% | 2.28% |
| Q1 2026 | 4.04% | 1.51% | 2.86% | 5.47% | 2.23% |
| Q2 2026 | 3.86% | 1.53% | 2.67% | 5.13% | 2.27% |
North Shore Trust and Savings yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock North Shore Trust and Savings, 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 North Shore Trust and Savings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27683) · FFIEC NIC profile (RSSD 775773)