Old Plank Trail Community Bank, 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.
Total interest expense climbed 7.7% in Q2 2026, from $15.8M to $17.1M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Old Plank Trail Community Bank, N.A. is 269th of 323 on net interest margin, 3.13% 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. Old Plank Trail Community Bank, N.A. sits 0.58 points lower, at 3.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 5.68% |
| Yield on securities | 3.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $34.7M |
| Total interest expense | $17.1M |
| Interest expense on deposits | $16.1M |
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 | 5.29% | 2.21% | 3.23% | 6.14% | 2.86% |
| Q4 2023 | 5.51% | 2.34% | 3.33% | 6.19% | 2.96% |
| Q1 2024 | 5.66% | 2.53% | 3.29% | 6.33% | 3.03% |
| Q2 2024 | 5.65% | 2.75% | 3.07% | 6.31% | 2.92% |
| Q3 2024 | 5.81% | 2.80% | 3.22% | 6.58% | 2.90% |
| Q4 2024 | 5.57% | 2.63% | 3.13% | 6.21% | 2.85% |
| Q1 2025 | 5.57% | 2.43% | 3.32% | 6.13% | 2.85% |
| Q2 2025 | 5.49% | 2.50% | 3.16% | 6.10% | 3.06% |
| Q3 2025 | 5.52% | 2.57% | 3.13% | 6.21% | 3.26% |
| Q4 2025 | 5.39% | 2.40% | 3.18% | 5.96% | 3.41% |
| Q1 2026 | 5.25% | 2.16% | 3.24% | 5.66% | 3.54% |
| Q2 2026 | 5.17% | 2.20% | 3.13% | 5.68% | 3.54% |
Old Plank Trail Community Bank, 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 Old Plank Trail Community Bank, 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 Old Plank Trail Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58314) · FFIEC NIC profile (RSSD 3404207)