St. Charles 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.
In Q2 2026, Cost of interest-bearing deposits edged down by 0.20 percentage points, from 2.93% to 2.73%, the largest move among the key lines here. Within Illinois, St. Charles Bank & Trust Company, N.A. is 269th of 323 on net interest margin, 3.13% as of Q2 2026, below the middle of the field. St. Charles Bank & Trust Company, N.A. reported 3.13% on net interest margin for Q2 2026, 0.58 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.41% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 3.10% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.13% |
| Yield to cost spread | 2.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $36.7M |
| Total interest expense | $19.2M |
| Interest expense on deposits | $17.8M |
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 | 5.76% | 2.44% | 3.50% |
| Q4 2023 | 6.07% | 2.70% | 3.58% |
| Q1 2024 | 6.01% | 2.89% | 3.34% |
| Q2 2024 | 6.22% | 3.06% | 3.38% |
| Q3 2024 | 6.20% | 3.18% | 3.26% |
| Q4 2024 | 5.91% | 2.95% | 3.18% |
| Q1 2025 | 5.79% | 2.74% | 3.26% |
| Q2 2025 | 5.74% | 2.81% | 3.14% |
| Q3 2025 | 5.78% | 2.89% | 3.11% |
| Q4 2025 | 5.60% | 2.68% | 3.13% |
| Q1 2026 | 5.37% | 2.47% | 3.07% |
| Q2 2026 | 5.35% | 2.41% | 3.13% |
St. Charles 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 St. Charles 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 St. Charles Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27052) · FFIEC NIC profile (RSSD 428547)