Bank of Columbia: 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.
Cost of borrowings dropped 31.25 percentage points in Q2 2026, from 2.68% to -28.57%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bank of Columbia is 16th of 119 on net interest margin, 4.67% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Columbia sits 0.72 points higher, at 4.67% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 6.97% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.49% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | -28.57% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.67% |
| Yield to cost spread | 3.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $970K |
| Interest expense on deposits | $971K |
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 | 5.70% | 1.50% | 4.31% | 6.30% | 2.67% |
| Q4 2023 | 5.84% | 1.73% | 4.27% | 6.42% | 2.72% |
| Q1 2024 | 6.03% | 1.96% | 4.23% | 6.63% | 2.68% |
| Q2 2024 | 6.16% | 2.07% | 4.25% | 6.76% | 2.72% |
| Q3 2024 | 6.39% | 2.10% | 4.45% | 6.96% | 3.00% |
| Q4 2024 | 6.42% | 1.96% | 4.59% | 7.00% | 3.13% |
| Q1 2025 | 6.26% | 1.88% | 4.52% | 6.79% | 3.27% |
| Q2 2025 | 6.45% | 1.86% | 4.73% | 7.03% | 3.35% |
| Q3 2025 | 6.55% | 1.91% | 4.77% | 7.10% | 3.36% |
| Q4 2025 | 6.43% | 1.96% | 4.62% | 6.96% | 3.31% |
| Q1 2026 | 6.25% | 1.90% | 4.48% | 6.80% | 3.27% |
| Q2 2026 | 6.37% | 1.83% | 4.67% | 6.97% | 3.48% |
Bank of Columbia 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 Columbia, 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 Columbia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8775) · FFIEC NIC profile (RSSD 839246)