Which returned more over the last year, BIL or KRE?

In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and KRE +21.2%.

Which is cheaper, BIL or KRE?

BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Data as of Oct 28, 2026.

Across categories

BIL vs KRE: Differences, Returns & Fees

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Over the year to Oct 28, 2026, BIL returned +3.7% to KRE's +21.2%; 0% of their weight is in the same names.

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Net assets on Oct 27, 2026: $48.7bn for SPDR Bloomberg 1-3 Month T-Bill ETF and $4.2bn for State Street SPDR S&P Regional Banking ETF.

BIL on its own →KRE on its own →

At a glance

+3.7%

BIL total return, 1 year

+21.2%

KRE total return, 1 year

0.14%

BIL expense ratio

0.35%

KRE expense ratio

Pair scorecard

BIL costs 0.21 points a year less; their one-year returns differ by 17.5 points; BIL is 11.6 times larger.

BIL vs KRE: Differences, Returns & Fees
Measure	BIL	KRE
Return
Measure	BIL	KRE
Total return, 1 year	+3.7%	+21.2%
Drawdown
Measure	BIL	KRE
Below its high		6.9%, high on Aug 14, 2026
Benchmark
Measure	BIL	KRE
What it tracks	Bloomberg 1-3 Month U.S. Treasury Bill Index	S&P Regional Banks Select Industry Index
Cost and size
Measure	BIL	KRE
Expense ratio	0.14%	0.35%
Net assets, as of Oct 27, 2026	$48.7bn	$4.2bn
Holdings
Measure	BIL	KRE
Holdings in common	0%
In the S&P 500, by weight		7%
Top ten holdings, share of the fund		11.6%

Holdings in common uses holdings dated Oct 27, 2026. Method

What they share

By the books each fund has filed, BIL and KRE hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.

50%

0 half 100%

half

0% in common

Positions both hold · largest shared weight first BIL KRE

Only in one fund ↓

Only in BIL

TREASURY BILL 12/26 0.00000 7.94%

TREASURY BILL 12/26 0.00000 6.66%

TREASURY BILL 12/26 0.00000 6.46%

TREASURY BILL 12/26 0.00000 6.40%

TREASURY BILL 12/26 0.00000 6.39%

TREASURY BILL 11/26 0.00000 6.26%

TREASURY BILL 12/26 0.00000 6.21%

TREASURY BILL 11/26 0.00000 4.85%

Only in KRE

GLACIER BANCORP INC 1.20%

UNITED COMMUNITY BANKS 1.17%

BANK OZK 1.17%

COLUMBIA BANKING SYSTEM INC 1.17%

EASTERN BANKSHARES INC 1.16%

TEXAS CAPITAL BANCSHARES INC 1.16%

UNITED BANKSHARES INC 1.16%

VALLEY NATIONAL BANCORP 1.15%

Check overlap with more funds →

Side by side

BIL SPDR Bloomberg 1-3 Month T-Bill ETF KRE State Street SPDR S&P Regional Banking ETF

Where it sits Bond ETF Stock ETF

Issuer State Street State Street

What it is Tracks an index of 1-3 month T-bills Tracks the S&P Regional Banking

Total return, 1 year +3.7% +21.2%

Expense ratio 0.14% 0.35%

Holdings 26 167

Net assets, as of Oct 27, 2026 $48.7bn $4.2bn

BIL and KRE on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.

Alert

About each fund

BIL

BIL tracks an index of 1-3 month T-bills. Over the year to Oct 28, 2026 it returned +3.7% with distributions reinvested. The prospectus expense ratio is 0.14% a year.

KRE

KRE tracks the S&P Regional Banking. Over the year to Oct 28, 2026 it returned +21.2% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 7% of the fund by weight is stocks the S&P 500 also holds, across 167 positions, with the top ten at 11.6%. It sat 6.9% below its high of Aug 14, 2026 on Oct 28, 2026.

Questions people ask

Which returned more over the last year, BIL or KRE?: In the year to Oct 28, 2026, with distributions reinvested, BIL returned +3.7% and KRE +21.2%.
Which is cheaper, BIL or KRE?: BIL is cheaper, by 0.21 percentage points a year. That is about $21 on $10,000 held for a year. Fees come from each fund's prospectus.

Other comparisons

BIL vs XLF BIL vs VOX BIL vs VDC BIL vs VPU KRE vs SHV KRE vs PULS KRE vs USFR KRE vs MINT

Where to next

BIL on its own →KRE on its own →Hold both: look the portfolio through →Rankings →BIL dividend history →BIL holdings →KRE dividend history →KRE holdings →Standards and sources →

Sources and dates

BIL and KRE filings on SEC EDGAR ↗

BIL and KRE prospectus with the expense ratio (SEC) ↗

State Street website ↗

Links are sources, not endorsements. A comparison is not a recommendation.

How this is computed

Overlap adds up the smaller of the two weights for each security both funds hold.

Cite this pageCitation, APA and Markdown

ETFIQ, BIL against KRE, data as of Oct 28, 2026. https://etfiq.com/compare/any/bil-vs-kre

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Free to use with attribution for data ETFIQ computes; issuer data stays under its owner's terms.