Sauk Valley Bank & Trust Company: 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 0.20 percentage points in Q2 2026 to 4.03%, the biggest move on this page. Within Illinois, Sauk Valley Bank & Trust Company is 97th of 323 on net interest margin, 4.03% as of Q2 2026, above the middle of the field. At 4.03%, Sauk Valley Bank & Trust Company's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | 6.69% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.0M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.98% | 2.37% | 2.95% | 6.03% | 2.98% |
| Q4 2023 | 5.03% | 2.57% | 2.91% | 5.97% | 3.09% |
| Q1 2024 | 5.27% | 2.62% | 3.07% | 6.14% | 3.21% |
| Q2 2024 | 5.44% | 2.73% | 3.19% | 6.27% | 3.29% |
| Q3 2024 | 5.63% | 2.83% | 3.26% | 6.54% | 3.26% |
| Q4 2024 | 5.57% | 2.59% | 3.39% | 6.37% | 3.37% |
| Q1 2025 | 5.52% | 2.43% | 3.44% | 6.38% | 3.20% |
| Q2 2025 | 5.72% | 2.47% | 3.60% | 6.60% | 3.23% |
| Q3 2025 | 5.60% | 2.59% | 3.36% | 6.40% | 3.29% |
| Q4 2025 | 6.16% | 2.39% | 4.13% | 7.05% | 3.50% |
| Q1 2026 | 5.67% | 2.18% | 3.83% | 6.46% | 3.29% |
| Q2 2026 | 5.88% | 2.17% | 4.03% | 6.69% | 3.45% |
Sauk Valley Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sauk Valley Bank & Trust Company, 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 Sauk Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35131) · FFIEC NIC profile (RSSD 2797162)