The Bank of Bennington: 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, Total interest expense edged up by 2.4%, from $2.7M to $2.8M, the largest move among the key lines here. Within Vermont, The Bank of Bennington is 9th of 12 on net interest margin, 3.09% as of Q2 2026, below the middle of the field. The Bank of Bennington reported 3.09% on net interest margin for Q2 2026, 0.86 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.84% |
| Yield on loans | 5.34% |
| Yield on securities | 3.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.0M |
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 | 4.04% | 1.56% | 2.63% | 4.51% | 2.66% |
| Q4 2023 | 4.20% | 1.80% | 2.56% | 4.57% | 2.88% |
| Q1 2024 | 4.22% | 1.92% | 2.47% | 4.61% | 3.01% |
| Q2 2024 | 4.42% | 2.02% | 2.60% | 4.80% | 3.04% |
| Q3 2024 | 4.59% | 2.14% | 2.61% | 4.89% | 3.18% |
| Q4 2024 | 4.53% | 2.09% | 2.64% | 4.93% | 3.11% |
| Q1 2025 | 4.55% | 2.06% | 2.66% | 4.97% | 2.90% |
| Q2 2025 | 4.62% | 2.08% | 2.73% | 5.07% | 3.06% |
| Q3 2025 | 4.72% | 2.09% | 2.84% | 5.15% | 3.09% |
| Q4 2025 | 4.82% | 2.03% | 2.98% | 5.29% | 3.03% |
| Q1 2026 | 4.75% | 1.93% | 3.01% | 5.23% | 2.99% |
| Q2 2026 | 4.84% | 1.95% | 3.09% | 5.34% | 3.06% |
The Bank of Bennington 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 Bank of Bennington, 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 Bank of Bennington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30350) · FFIEC NIC profile (RSSD 133579)