Bank of Jamestown: 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.64% against 3.50%. It was the largest change among the key lines on this page. Bank of Jamestown ranks 83rd of 119 Kentucky banks on net interest margin, in the lower half at 3.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Jamestown sits 0.31 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.39% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 3.63% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $803K |
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 | 4.48% | 1.49% | 3.14% | 5.31% | 3.05% |
| Q4 2023 | 4.69% | 1.64% | 3.23% | 5.55% | 3.11% |
| Q1 2024 | 4.72% | 1.80% | 3.12% | 5.60% | 3.11% |
| Q2 2024 | 4.94% | 1.97% | 3.18% | 5.81% | 3.28% |
| Q3 2024 | 5.17% | 2.10% | 3.31% | 6.11% | 3.43% |
| Q4 2024 | 5.18% | 2.13% | 3.30% | 6.12% | 3.53% |
| Q1 2025 | 5.06% | 2.03% | 3.26% | 6.02% | 3.56% |
| Q2 2025 | 5.37% | 2.02% | 3.58% | 6.33% | 3.70% |
| Q3 2025 | 5.54% | 2.12% | 3.67% | 6.57% | 3.82% |
| Q4 2025 | 5.50% | 2.05% | 3.70% | 6.54% | 3.84% |
| Q1 2026 | 5.25% | 1.99% | 3.50% | 6.23% | 3.77% |
| Q2 2026 | 5.37% | 1.96% | 3.64% | 6.39% | 3.83% |
Bank of Jamestown 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 Jamestown, 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 Jamestown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8118) · FFIEC NIC profile (RSSD 567240)