Northbrook 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.3% to $33.9M. Within Illinois, Northbrook Bank & Trust Company, N.A. is 282nd of 323 on net interest margin, 3.01% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Northbrook Bank & Trust Company, N.A. sits 0.70 points lower, at 3.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 5.90% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 3.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.6M |
| Total interest expense | $33.9M |
| Interest expense on deposits | $29.7M |
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 | 5.72% | 2.73% | 3.11% | 6.43% | 2.92% |
| Q4 2023 | 5.77% | 2.82% | 3.00% | 6.48% | 2.99% |
| Q1 2024 | 5.77% | 2.84% | 2.93% | 6.46% | 3.23% |
| Q2 2024 | 5.86% | 3.04% | 2.88% | 6.54% | 3.28% |
| Q3 2024 | 5.96% | 3.19% | 2.81% | 6.64% | 3.27% |
| Q4 2024 | 5.85% | 2.80% | 2.96% | 6.57% | 3.15% |
| Q1 2025 | 5.59% | 2.54% | 2.95% | 6.22% | 3.13% |
| Q2 2025 | 5.66% | 2.73% | 2.94% | 6.24% | 3.21% |
| Q3 2025 | 5.77% | 2.80% | 2.99% | 6.36% | 3.27% |
| Q4 2025 | 5.65% | 2.62% | 3.05% | 6.20% | 3.51% |
| Q1 2026 | 5.44% | 2.27% | 3.04% | 5.96% | 3.55% |
| Q2 2026 | 5.40% | 2.26% | 3.01% | 5.90% | 3.54% |
Northbrook 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 Northbrook 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 Northbrook Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57082) · FFIEC NIC profile (RSSD 2938198)