Bank of Hindman: 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: Total interest expense edged down 2.2% between Q1 2026 and Q2 2026, to $1.4M. Bank of Hindman has the 1st lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Hindman sits 1.88 points lower, at 2.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.19% |
| Yield on loans | 6.07% |
| Yield on securities | 2.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.75% |
| Cost of borrowings | 3.58% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.07% |
| Yield to cost spread | 1.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $1.4M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.44% | 1.73% | 1.81% | 5.03% | 2.18% |
| Q4 2023 | 3.50% | 2.02% | 1.61% | 5.06% | 2.20% |
| Q1 2024 | 3.53% | 2.17% | 1.49% | 5.17% | 2.12% |
| Q2 2024 | 3.67% | 2.31% | 1.51% | 5.42% | 2.11% |
| Q3 2024 | 3.74% | 2.41% | 1.49% | 5.53% | 2.11% |
| Q4 2024 | 3.91% | 2.40% | 1.67% | 5.51% | 2.43% |
| Q1 2025 | 3.81% | 2.36% | 1.59% | 5.54% | 2.18% |
| Q2 2025 | 3.93% | 2.36% | 1.72% | 5.72% | 2.22% |
| Q3 2025 | 4.11% | 2.42% | 1.85% | 5.93% | 2.32% |
| Q4 2025 | 4.13% | 2.40% | 1.89% | 6.02% | 2.27% |
| Q1 2026 | 4.15% | 2.29% | 1.98% | 5.95% | 2.35% |
| Q2 2026 | 4.19% | 2.26% | 2.07% | 6.07% | 2.47% |
Bank of Hindman 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 Hindman, 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 Hindman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 289) · FFIEC NIC profile (RSSD 763211)