Bank of Cave City: 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 0.17 percentage points between Q1 2026 and Q2 2026, to 2.55%. Bank of Cave City ranks 29th of 78 Arkansas banks on net interest margin, in the upper half at 4.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Cave City sits 0.28 points higher, at 4.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.15% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.23% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $878K |
| Interest expense on deposits | $824K |
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 |
|---|---|---|---|
| Q3 2023 | 5.32% | 2.06% | 3.66% |
| Q4 2023 | 5.61% | 2.49% | 3.62% |
| Q1 2024 | 5.76% | 2.62% | 3.63% |
| Q2 2024 | 5.73% | 2.76% | 3.50% |
| Q3 2024 | 5.98% | 2.87% | 3.64% |
| Q4 2024 | 6.17% | 2.93% | 3.80% |
| Q1 2025 | 6.01% | 2.26% | 3.81% |
| Q2 2025 | 6.19% | 2.07% | 4.18% |
| Q3 2025 | 6.19% | 2.09% | 4.15% |
| Q4 2025 | 6.35% | 2.02% | 4.38% |
| Q1 2026 | 6.13% | 2.00% | 4.15% |
| Q2 2026 | 6.15% | 1.97% | 4.23% |
Bank of Cave City yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Cave City, 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 Bank of Cave City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 105) · FFIEC NIC profile (RSSD 629148)