The Apple Creek Banking Company: 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 Yield on securities, which rose 0.58 percentage points to 3.27%. On net interest margin, The Apple Creek Banking Company ranks 6th highest among the 156 banks headquartered in Ohio, at 4.98% (Q2 2026). The Apple Creek Banking Company reported 4.98% on net interest margin for Q2 2026, 1.03 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.18% |
| Yield on loans | 6.49% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.98% |
| Yield to cost spread | 4.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.7M |
| Total interest expense | $765K |
| Interest expense on deposits | $759K |
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 | 4.97% | 1.20% | 3.82% | 5.56% | 1.51% |
| Q4 2023 | 5.12% | 1.27% | 3.92% | 5.71% | 1.50% |
| Q1 2024 | 5.17% | 1.61% | 3.64% | 5.83% | 1.52% |
| Q2 2024 | 5.38% | 1.51% | 3.94% | 5.96% | 1.53% |
| Q3 2024 | 5.48% | 1.41% | 4.14% | 6.13% | 1.53% |
| Q4 2024 | 5.73% | 1.32% | 4.49% | 6.36% | 1.56% |
| Q1 2025 | 5.67% | 1.29% | 4.45% | 6.23% | 1.82% |
| Q2 2025 | 5.75% | 1.27% | 4.55% | 6.29% | 1.78% |
| Q3 2025 | 5.93% | 1.37% | 4.63% | 6.49% | 1.74% |
| Q4 2025 | 6.08% | 1.34% | 4.83% | 6.54% | 2.35% |
| Q1 2026 | 6.11% | 1.22% | 4.96% | 6.45% | 2.69% |
| Q2 2026 | 6.18% | 1.28% | 4.98% | 6.49% | 3.27% |
The Apple Creek Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Apple Creek Banking Company, 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 The Apple Creek Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 737) · FFIEC NIC profile (RSSD 213912)