Bank of Lexington, Inc.: 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.
Total interest expense climbed 21.6% in Q2 2026, from $1.6M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Bank of Lexington, Inc. is 75th of 119 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Lexington, Inc. sits 0.21 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | 6.25% |
| Yield on securities | 2.82% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 2.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.7M |
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 | 5.17% | 1.31% | 3.97% | 5.22% | 1.21% |
| Q4 2023 | 5.32% | 1.88% | 3.63% | 5.41% | 1.60% |
| Q1 2024 | 5.37% | 2.22% | 3.33% | 5.52% | 1.89% |
| Q2 2024 | 5.50% | 2.66% | 3.02% | 5.67% | 1.36% |
| Q3 2024 | 5.64% | 2.91% | 2.96% | 5.84% | 1.29% |
| Q4 2024 | 5.71% | 2.91% | 3.00% | 5.99% | 1.78% |
| Q1 2025 | 5.41% | 2.45% | 3.33% | 5.95% | 2.10% |
| Q2 2025 | 5.48% | 1.89% | 3.69% | 6.01% | 2.11% |
| Q3 2025 | 5.65% | 1.80% | 3.97% | 6.14% | 2.83% |
| Q4 2025 | 5.67% | 1.77% | 4.04% | 6.20% | 3.10% |
| Q1 2026 | 5.62% | 1.83% | 3.93% | 6.09% | 2.82% |
| Q2 2026 | 5.84% | 2.23% | 3.74% | 6.25% | 2.82% |
Bank of Lexington, Inc. 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 Lexington, Inc., 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 Lexington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58164) · FFIEC NIC profile (RSSD 3410141)