Prairie State Bank & Trust: 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.14% against 3.94%. It was the largest change among the key lines on this page. Within Illinois, Prairie State Bank & Trust is 82nd of 323 on net interest margin, 4.14% as of Q2 2026, above the middle of the field. Prairie State Bank & Trust reported 4.14% on net interest margin for Q2 2026, 0.19 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 5.98% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.08% |
| Cost of interest-bearing deposits | 1.42% |
| Cost of interest-bearing liabilities | 1.41% |
| Cost of borrowings | 0.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.70% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 3.66% | 0.42% | 3.27% | 4.59% | 1.87% |
| Q4 2023 | 3.79% | 0.65% | 3.21% | 4.76% | 1.84% |
| Q1 2024 | 3.90% | 0.86% | 3.13% | 4.89% | 1.82% |
| Q2 2024 | 4.10% | 1.02% | 3.18% | 5.06% | 1.79% |
| Q3 2024 | 4.30% | 1.11% | 3.30% | 5.22% | 1.91% |
| Q4 2024 | 4.38% | 1.22% | 3.29% | 5.33% | 2.04% |
| Q1 2025 | 4.38% | 1.13% | 3.36% | 5.30% | 2.10% |
| Q2 2025 | 4.63% | 1.08% | 3.65% | 5.50% | 2.17% |
| Q3 2025 | 4.84% | 1.09% | 3.85% | 5.73% | 2.28% |
| Q4 2025 | 4.95% | 1.10% | 3.97% | 5.82% | 2.49% |
| Q1 2026 | 4.90% | 1.06% | 3.94% | 5.75% | 2.71% |
| Q2 2026 | 5.11% | 1.08% | 4.14% | 5.98% | 2.99% |
Prairie State Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie State Bank & Trust, 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 Prairie State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27362) · FFIEC NIC profile (RSSD 1222948)