United Trust 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.24 percentage points to 2.80%. United Trust Bank has the 23rd lowest net interest margin of the 323 banks headquartered in Illinois, at 2.80% as of Q2 2026. United Trust Bank reported 2.80% on net interest margin for Q2 2026, 1.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.87% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.28% |
| Cost of interest-bearing deposits | 3.63% |
| Cost of interest-bearing liabilities | 3.79% |
| Cost of borrowings | 4.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.80% |
| Yield to cost spread | 2.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $972K |
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 | 5.97% | 4.91% | 2.51% |
| Q4 2023 | 6.03% | 5.20% | 2.44% |
| Q1 2024 | 5.80% | 4.06% | 2.04% |
| Q2 2024 | 5.96% | 3.94% | 2.20% |
| Q3 2024 | 6.07% | 3.98% | 2.25% |
| Q4 2024 | 6.04% | 4.10% | 2.23% |
| Q1 2025 | 5.98% | 3.87% | 2.35% |
| Q2 2025 | 6.08% | 3.86% | 2.44% |
| Q3 2025 | 6.05% | 3.79% | 2.47% |
| Q4 2025 | 5.95% | 3.70% | 2.50% |
| Q1 2026 | 5.84% | 3.55% | 2.56% |
| Q2 2026 | 5.87% | 3.28% | 2.80% |
United Trust 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 United Trust 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 United Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35393) · FFIEC NIC profile (RSSD 2949970)