Bank of Clarke: 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.
Total interest expense fell 6.9% from Q1 2026 to Q2 2026, ending at $7.0M against $7.6M. It was the largest change among the key lines on this page. Within Virginia, Bank of Clarke is 28th of 56 on net interest margin, 3.92% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Clarke sits 0.21 points higher, at 3.92% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 5.82% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.47% |
| Cost of interest-bearing liabilities | 2.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.7M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $7.0M |
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 | 4.99% | 2.18% | 2.99% | 5.49% | 1.89% |
| Q4 2023 | 4.86% | 2.27% | 2.79% | 5.36% | 1.92% |
| Q1 2024 | 5.03% | 2.24% | 2.93% | 5.51% | 1.92% |
| Q2 2024 | 4.91% | 2.28% | 2.83% | 5.43% | 1.91% |
| Q3 2024 | 5.13% | 2.44% | 2.93% | 5.74% | 1.90% |
| Q4 2024 | 5.35% | 2.39% | 3.09% | 5.73% | 1.94% |
| Q1 2025 | 5.11% | 2.30% | 2.97% | 5.48% | 2.09% |
| Q2 2025 | 5.36% | 2.02% | 3.47% | 5.65% | 3.77% |
| Q3 2025 | 5.42% | 1.91% | 3.67% | 5.74% | 3.98% |
| Q4 2025 | 5.47% | 1.92% | 3.70% | 5.80% | 3.99% |
| Q1 2026 | 5.35% | 1.86% | 3.65% | 5.69% | 3.92% |
| Q2 2026 | 5.52% | 1.76% | 3.92% | 5.82% | 3.91% |
Bank of Clarke 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 Clarke, 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 Clarke profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6123) · FFIEC NIC profile (RSSD 753324)