Southerntrust Bank: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.2% between Q1 2026 and Q2 2026, to $1.6M. Southerntrust Bank ranks 152nd of 323 Illinois banks on net interest margin, in the upper half at 3.76% (Q2 2026). Southerntrust Bank reported 3.76% on net interest margin for Q2 2026, 0.19 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.68% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.1M |
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 | 5.54% | 2.35% | 3.31% | 5.88% | 2.50% |
| Q4 2023 | 5.72% | 2.71% | 3.12% | 6.04% | 2.76% |
| Q1 2024 | 5.69% | 2.87% | 2.97% | 6.02% | 2.95% |
| Q2 2024 | 5.98% | 3.00% | 3.14% | 6.40% | 3.01% |
| Q3 2024 | 5.90% | 3.13% | 2.91% | 6.22% | 3.02% |
| Q4 2024 | 6.09% | 3.09% | 3.17% | 6.59% | 3.03% |
| Q1 2025 | 6.12% | 2.94% | 3.37% | 6.71% | 3.05% |
| Q2 2025 | 6.48% | 2.75% | 3.89% | 7.08% | 3.09% |
| Q3 2025 | 6.11% | 2.72% | 3.55% | 6.64% | 3.06% |
| Q4 2025 | 6.15% | 2.58% | 3.74% | 6.62% | 3.19% |
| Q1 2026 | 6.00% | 2.47% | 3.70% | 6.55% | 3.19% |
| Q2 2026 | 6.12% | 2.52% | 3.76% | 6.68% | 3.32% |
Southerntrust Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Southerntrust Bank, 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 Southerntrust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57897) · FFIEC NIC profile (RSSD 3316739)