The Baltic State Bank: 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.
Compared with Q1 2026, Net interest margin rose 0.22 percentage points in Q2 2026 to 4.80%, the biggest move on this page. Among 156 Ohio banks, The Baltic State Bank sits 10th from the top on net interest margin, 4.80% as of Q2 2026. The Baltic State Bank reported 4.80% on net interest margin for Q2 2026, 0.85 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 7.02% |
| Yield on securities | 1.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $450K |
| Interest expense on deposits | $450K |
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 | 5.53% | 1.47% | 4.04% | 6.00% | 1.18% |
| Q4 2023 | 5.76% | 1.63% | 4.20% | 6.27% | 1.28% |
| Q1 2024 | 5.90% | 1.87% | 4.11% | 6.42% | 1.33% |
| Q2 2024 | 6.13% | 2.01% | 4.30% | 6.53% | 1.22% |
| Q3 2024 | 6.44% | 2.02% | 4.50% | 6.89% | 1.27% |
| Q4 2024 | 6.32% | 1.96% | 4.44% | 6.83% | 1.27% |
| Q1 2025 | 6.20% | 1.83% | 4.47% | 6.77% | 1.27% |
| Q2 2025 | 6.37% | 1.73% | 4.74% | 6.99% | 1.33% |
| Q3 2025 | 6.54% | 1.64% | 4.97% | 7.06% | 1.24% |
| Q4 2025 | 6.31% | 1.59% | 4.76% | 7.13% | 1.38% |
| Q1 2026 | 6.12% | 1.61% | 4.58% | 6.94% | 1.37% |
| Q2 2026 | 6.29% | 1.56% | 4.80% | 7.02% | 1.37% |
The Baltic State Bank 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 Baltic State Bank, 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 Baltic State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17759) · FFIEC NIC profile (RSSD 112510)