Auburn 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.15 percentage points between Q1 2026 and Q2 2026, to 2.79%. Auburn Banking Company ranks 46th of 119 Kentucky banks on net interest margin, in the upper half at 4.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Auburn Banking Company sits 0.16 points higher, at 4.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.04% |
| Yield on loans | 6.76% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 4.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $743K |
| Interest expense on deposits | $718K |
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 | 5.40% | 1.55% | 3.92% | 6.24% | 1.43% |
| Q4 2023 | 5.78% | 1.82% | 4.02% | 6.47% | 1.45% |
| Q1 2024 | 5.75% | 1.96% | 3.92% | 6.61% | 1.42% |
| Q2 2024 | 6.03% | 2.03% | 4.10% | 6.78% | 1.53% |
| Q3 2024 | 6.09% | 2.16% | 4.04% | 6.91% | 1.40% |
| Q4 2024 | 6.10% | 2.24% | 3.99% | 6.95% | 1.38% |
| Q1 2025 | 5.94% | 2.11% | 3.94% | 6.75% | 1.38% |
| Q2 2025 | 6.01% | 2.04% | 4.09% | 6.84% | 1.39% |
| Q3 2025 | 6.14% | 2.03% | 4.20% | 6.95% | 1.37% |
| Q4 2025 | 6.21% | 2.08% | 4.21% | 6.93% | 1.87% |
| Q1 2026 | 5.97% | 2.00% | 4.04% | 6.70% | 2.64% |
| Q2 2026 | 6.04% | 2.00% | 4.11% | 6.76% | 2.79% |
Auburn 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 Auburn 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 Auburn Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 284) · FFIEC NIC profile (RSSD 811541)