Village Bank & Trust, 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.0% to $17.3M. Within Illinois, Village Bank & Trust, N.A. is 180th of 323 on net interest margin, 3.61% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Village Bank & Trust, N.A. reported 3.61% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.59% |
| Yield on loans | 5.68% |
| Yield on securities | 4.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.20% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.61% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $38.9M |
| Total interest expense | $17.3M |
| Interest expense on deposits | $14.9M |
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 | 5.89% | 2.19% | 3.92% | 6.10% | 3.31% |
| Q4 2023 | 6.20% | 2.34% | 4.07% | 6.59% | 4.35% |
| Q1 2024 | 6.26% | 2.47% | 4.03% | 6.66% | 4.36% |
| Q2 2024 | 6.23% | 2.70% | 3.75% | 6.55% | 3.92% |
| Q3 2024 | 6.34% | 2.82% | 3.75% | 6.75% | 4.15% |
| Q4 2024 | 6.16% | 2.68% | 3.71% | 6.51% | 4.06% |
| Q1 2025 | 5.92% | 2.45% | 3.68% | 6.09% | 4.16% |
| Q2 2025 | 5.85% | 2.45% | 3.59% | 5.98% | 4.63% |
| Q3 2025 | 5.92% | 2.48% | 3.67% | 6.17% | 4.97% |
| Q4 2025 | 5.77% | 2.30% | 3.68% | 5.89% | 4.75% |
| Q1 2026 | 5.57% | 2.15% | 3.60% | 5.61% | 4.55% |
| Q2 2026 | 5.59% | 2.20% | 3.61% | 5.68% | 4.69% |
Village Bank & Trust, 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 Village Bank & Trust, 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 Village Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34011) · FFIEC NIC profile (RSSD 2298995)