Providence 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.
Compared with Q1 2026, Net interest margin rose 0.27 percentage points in Q2 2026 to 4.37%, the biggest move on this page. Within Illinois, Providence Bank & Trust is 51st of 323 on net interest margin, 4.37% as of Q2 2026, above the middle of the field. Providence Bank & Trust reported 4.37% on net interest margin for Q2 2026, 0.66 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.73% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.50% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.04% |
| Cost of borrowings | 3.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.37% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.3M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.0M |
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 |
|---|---|---|---|
| Q3 2023 | 4.85% | 1.65% | 3.33% |
| Q4 2023 | 4.90% | 1.85% | 3.19% |
| Q1 2024 | 4.92% | 2.01% | 3.07% |
| Q2 2024 | 4.94% | 2.15% | 2.98% |
| Q3 2024 | 5.11% | 2.25% | 3.04% |
| Q4 2024 | 5.07% | 2.11% | 3.13% |
| Q1 2025 | 4.94% | 1.89% | 3.20% |
| Q2 2025 | 5.06% | 1.84% | 3.38% |
| Q3 2025 | 5.41% | 1.81% | 3.75% |
| Q4 2025 | 5.87% | 1.67% | 4.37% |
| Q1 2026 | 5.49% | 1.52% | 4.10% |
| Q2 2026 | 5.73% | 1.50% | 4.37% |
Providence 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 Providence 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 Providence Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57754) · FFIEC NIC profile (RSSD 3280625)