Wheaton 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.
Total interest expense climbed 9.5% in Q2 2026, from $22.5M to $24.6M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Wheaton Bank & Trust Company, N.A. is 287th of 323 on net interest margin, 2.98% as of Q2 2026, below the middle of the field. Wheaton Bank & Trust Company, N.A. reported 2.98% on net interest margin for Q2 2026, 0.73 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 5.86% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.43% |
| Cost of interest-bearing deposits | 2.78% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.98% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $44.5M |
| Total interest expense | $24.6M |
| Interest expense on deposits | $22.8M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.42% | 2.50% | 3.10% | 6.39% | 2.40% |
| Q4 2023 | 5.75% | 2.62% | 3.33% | 6.81% | 2.42% |
| Q1 2024 | 5.64% | 2.78% | 3.07% | 6.61% | 2.40% |
| Q2 2024 | 5.87% | 2.98% | 3.10% | 6.87% | 2.40% |
| Q3 2024 | 5.91% | 3.04% | 3.09% | 6.88% | 2.40% |
| Q4 2024 | 5.69% | 2.82% | 3.06% | 6.58% | 2.44% |
| Q1 2025 | 5.58% | 2.60% | 3.17% | 6.39% | 2.53% |
| Q2 2025 | 5.52% | 2.68% | 3.01% | 6.27% | 2.72% |
| Q3 2025 | 5.58% | 2.79% | 2.99% | 6.28% | 3.19% |
| Q4 2025 | 5.49% | 2.56% | 3.11% | 6.20% | 3.49% |
| Q1 2026 | 5.22% | 2.36% | 3.05% | 5.83% | 3.58% |
| Q2 2026 | 5.25% | 2.43% | 2.98% | 5.86% | 3.70% |
Wheaton 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 Wheaton 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 Wheaton Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33803) · FFIEC NIC profile (RSSD 2044811)