Bank of Edmonson County: 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, Total interest expense fell 4.4% in Q2 2026 to $1.2M, the biggest move on this page. Bank of Edmonson County ranks 79th of 119 Kentucky banks on net interest margin, in the lower half at 3.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Edmonson County sits 0.24 points lower, at 3.71% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | 3.87% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 2.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.5M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | 5.15% | 1.72% | 3.52% |
| Q4 2023 | 5.30% | 1.80% | 3.57% |
| Q1 2024 | 5.29% | 1.93% | 3.38% |
| Q2 2024 | 5.54% | 2.14% | 3.45% |
| Q3 2024 | 5.68% | 2.24% | 3.51% |
| Q4 2024 | 5.58% | 2.05% | 3.46% |
| Q1 2025 | 5.51% | 1.66% | 3.46% |
| Q2 2025 | 5.60% | 1.95% | 3.62% |
| Q3 2025 | 5.64% | 1.94% | 3.66% |
| Q4 2025 | 5.61% | 1.90% | 3.72% |
| Q1 2026 | 5.40% | 1.85% | 3.54% |
| Q2 2026 | 5.52% | 1.78% | 3.71% |
Bank of Edmonson County 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 Edmonson County, 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 Edmonson County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 296) · FFIEC NIC profile (RSSD 903240)