Trustbank: 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 Net interest margin, which rose 0.32 percentage points to 4.27%. Trustbank ranks 65th of 323 Illinois banks on net interest margin, in the upper half at 4.27% (Q2 2026). Trustbank reported 4.27% on net interest margin for Q2 2026, 0.33 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 6.52% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.09% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.9M |
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 | 5.52% | 1.95% | 3.69% | 5.80% | 2.75% |
| Q4 2023 | 5.79% | 2.28% | 3.66% | 6.06% | 3.03% |
| Q1 2024 | 5.68% | 2.37% | 3.47% | 5.99% | 3.21% |
| Q2 2024 | 5.95% | 2.42% | 3.70% | 6.20% | 3.55% |
| Q3 2024 | 6.03% | 2.58% | 3.64% | 6.36% | 3.65% |
| Q4 2024 | 6.03% | 2.56% | 3.66% | 6.34% | 3.68% |
| Q1 2025 | 5.91% | 2.34% | 3.74% | 6.25% | 3.63% |
| Q2 2025 | 6.04% | 2.27% | 3.95% | 6.35% | 3.69% |
| Q3 2025 | 6.11% | 2.28% | 3.99% | 6.48% | 3.61% |
| Q4 2025 | 6.11% | 2.24% | 4.03% | 6.50% | 3.69% |
| Q1 2026 | 5.87% | 2.07% | 3.95% | 6.31% | 3.80% |
| Q2 2026 | 6.20% | 2.09% | 4.27% | 6.52% | 3.84% |
Trustbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trustbank, 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 Trustbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14662) · FFIEC NIC profile (RSSD 338646)