Bank of Clarkson: 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 0.15 percentage points in Q2 2026 to 3.98%, the biggest move on this page. Within Kentucky, Bank of Clarkson is 60th of 119 on net interest margin, 3.98% as of Q2 2026, below the middle of the field. At 3.98%, Bank of Clarkson's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 7.09% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.98% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $713K |
| Interest expense on deposits | $621K |
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 | 4.69% | 1.13% | 3.64% | 6.22% | 1.99% |
| Q4 2023 | 5.00% | 1.52% | 3.59% | 6.63% | 1.99% |
| Q1 2024 | 5.07% | 1.60% | 3.59% | 6.76% | 1.89% |
| Q2 2024 | 5.18% | 1.64% | 3.67% | 6.81% | 2.10% |
| Q3 2024 | 5.35% | 1.97% | 3.53% | 6.96% | 2.06% |
| Q4 2024 | 5.49% | 2.10% | 3.57% | 7.19% | 2.01% |
| Q1 2025 | 5.37% | 1.76% | 3.75% | 7.01% | 2.01% |
| Q2 2025 | 5.52% | 1.75% | 3.92% | 7.17% | 2.02% |
| Q3 2025 | 5.68% | 1.81% | 4.01% | 7.30% | 2.02% |
| Q4 2025 | 5.79% | 1.86% | 4.10% | 7.27% | 2.03% |
| Q1 2026 | 5.61% | 1.93% | 3.83% | 7.09% | 2.05% |
| Q2 2026 | 5.62% | 1.79% | 3.98% | 7.09% | 2.08% |
Bank of Clarkson 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 Clarkson, 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 Clarkson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13167) · FFIEC NIC profile (RSSD 720344)