Town and Country Bank Midwest: 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 5.21% against 5.05%. It was the largest change among the key lines on this page. Among 323 Illinois banks, Town and Country Bank Midwest sits 8th from the top on net interest margin, 5.21% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Town and Country Bank Midwest sits 1.26 points higher, at 5.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.23% |
| Yield on loans | 7.15% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.21% |
| Yield to cost spread | 4.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $688K |
| Interest expense on deposits | $688K |
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 | 5.40% | 0.64% | 4.81% | 6.18% | 2.09% |
| Q4 2023 | 5.57% | 0.75% | 4.89% | 6.44% | 2.07% |
| Q1 2024 | 5.73% | 0.87% | 4.92% | 6.65% | 1.89% |
| Q2 2024 | 6.08% | 1.01% | 5.14% | 6.99% | 1.88% |
| Q3 2024 | 6.33% | 1.20% | 5.23% | 7.22% | 1.81% |
| Q4 2024 | 6.42% | 1.19% | 5.32% | 7.38% | 1.88% |
| Q1 2025 | 6.26% | 1.07% | 5.27% | 7.20% | 2.04% |
| Q2 2025 | 6.58% | 1.17% | 5.52% | 7.40% | 2.14% |
| Q3 2025 | 6.67% | 1.20% | 5.59% | 7.46% | 2.25% |
| Q4 2025 | 10.47% | 2.31% | 8.40% | 10.39% | 5.80% |
| Q1 2026 | 6.07% | 1.14% | 5.05% | 7.14% | 2.54% |
| Q2 2026 | 6.23% | 1.15% | 5.21% | 7.15% | 2.76% |
Town and Country Bank Midwest yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Town and Country Bank Midwest, 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 Town and Country Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10460) · FFIEC NIC profile (RSSD 349343)