Williamsville State Bank and Trust: 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.
In Q2 2026, Net interest margin edged down by 0.06 percentage points, from 2.90% to 2.84%, the largest move among the key lines here. Williamsville State Bank and Trust has the 25th lowest net interest margin of the 323 banks headquartered in Illinois, at 2.84% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Williamsville State Bank and Trust sits 1.05 points lower, at 2.84% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.63% |
| Yield on loans | 5.02% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.86% |
| Cost of interest-bearing deposits | 1.19% |
| Cost of interest-bearing liabilities | 1.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $313K |
| Total interest expense | $175K |
| Interest expense on deposits | $175K |
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 | 3.66% | 0.58% | 3.13% | 4.31% | 2.65% |
| Q4 2023 | 3.68% | 0.62% | 3.12% | 4.32% | 2.63% |
| Q1 2024 | 3.88% | 0.69% | 3.25% | 4.91% | 2.79% |
| Q2 2024 | 3.76% | 0.77% | 3.07% | 4.50% | 2.86% |
| Q3 2024 | 3.85% | 0.79% | 3.14% | 4.76% | 2.83% |
| Q4 2024 | 3.75% | 0.82% | 3.01% | 4.61% | 2.91% |
| Q1 2025 | 3.69% | 0.79% | 2.98% | 4.80% | 2.87% |
| Q2 2025 | 3.78% | 0.86% | 3.01% | 4.87% | 2.84% |
| Q3 2025 | 3.83% | 0.89% | 3.03% | 4.99% | 2.85% |
| Q4 2025 | 3.70% | 0.86% | 2.93% | 5.00% | 2.82% |
| Q1 2026 | 3.65% | 0.84% | 2.90% | 5.09% | 2.79% |
| Q2 2026 | 3.63% | 0.86% | 2.84% | 5.02% | 2.79% |
Williamsville State Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Williamsville State Bank and Trust, 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 Williamsville State Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12388) · FFIEC NIC profile (RSSD 365848)