Schaumburg 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 5.7% to $12.6M. Schaumburg Bank & Trust Company, N.A. ranks 233rd of 323 Illinois banks on net interest margin, in the lower half at 3.33% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Schaumburg Bank & Trust Company, N.A. sits 0.38 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 5.90% |
| Yield on securities | 3.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.80% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | 3.20% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.2M |
| Total interest expense | $12.6M |
| Interest expense on deposits | $11.9M |
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 | 5.78% | 2.52% | 3.49% | 6.49% | 3.25% |
| Q4 2023 | 5.99% | 2.67% | 3.55% | 6.68% | 3.33% |
| Q1 2024 | 6.09% | 2.84% | 3.50% | 6.75% | 3.18% |
| Q2 2024 | 6.03% | 3.18% | 3.14% | 6.67% | 3.44% |
| Q3 2024 | 6.18% | 3.35% | 3.16% | 6.85% | 3.53% |
| Q4 2024 | 5.86% | 3.14% | 3.03% | 6.50% | 3.57% |
| Q1 2025 | 5.72% | 2.82% | 3.15% | 6.31% | 3.36% |
| Q2 2025 | 5.76% | 2.83% | 3.13% | 6.32% | 3.69% |
| Q3 2025 | 5.80% | 2.79% | 3.24% | 6.35% | 3.84% |
| Q4 2025 | 5.60% | 2.54% | 3.29% | 6.13% | 3.77% |
| Q1 2026 | 5.35% | 2.29% | 3.25% | 5.86% | 3.83% |
| Q2 2026 | 5.42% | 2.29% | 3.33% | 5.90% | 3.97% |
Schaumburg 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 Schaumburg 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 Schaumburg Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57103) · FFIEC NIC profile (RSSD 2970657)