The Bank of Magnolia Company: 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.
In Q2 2026, Net interest margin edged up by 0.09 percentage points, from 4.93% to 5.02%, the largest move among the key lines here. On net interest margin, The Bank of Magnolia Company ranks 5th highest among the 156 banks headquartered in Ohio, at 5.02% (Q2 2026). The Bank of Magnolia Company reported 5.02% on net interest margin for Q2 2026, 1.07 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 6.87% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.78% |
| Cost of interest-bearing deposits | 1.19% |
| Cost of interest-bearing liabilities | 1.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.02% |
| Yield to cost spread | 4.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $188K |
| Interest expense on deposits | $188K |
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 | 4.12% | 0.35% | 3.79% | 6.05% | 1.45% |
| Q4 2023 | 4.43% | 0.45% | 4.01% | 6.29% | 1.49% |
| Q1 2024 | 4.64% | 0.57% | 4.10% | 6.36% | 1.51% |
| Q2 2024 | 4.93% | 0.63% | 4.34% | 6.48% | 1.81% |
| Q3 2024 | 5.26% | 0.74% | 4.56% | 6.71% | 2.01% |
| Q4 2024 | 5.37% | 0.75% | 4.69% | 6.91% | 2.23% |
| Q1 2025 | 5.49% | 0.71% | 4.82% | 6.81% | 2.40% |
| Q2 2025 | 5.64% | 0.74% | 4.95% | 6.93% | 2.61% |
| Q3 2025 | 5.81% | 0.78% | 5.08% | 7.07% | 2.65% |
| Q4 2025 | 5.78% | 0.84% | 5.01% | 7.02% | 2.64% |
| Q1 2026 | 5.71% | 0.81% | 4.93% | 6.82% | 2.65% |
| Q2 2026 | 5.79% | 0.78% | 5.02% | 6.87% | 2.75% |
The Bank of Magnolia Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Magnolia Company, 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 The Bank of Magnolia Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2300) · FFIEC NIC profile (RSSD 940021)