The Bank of Marion: 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 rose 4.9% from Q1 2026 to Q2 2026, ending at $1.6M against $1.6M. It was the largest change among the key lines on this page. Within Virginia, The Bank of Marion is 14th of 56 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bank of Marion sits 0.29 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.27% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.47% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.5M |
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 | 4.63% | 0.77% | 3.76% | 5.66% | 2.79% |
| Q4 2023 | 4.81% | 1.03% | 3.83% | 5.85% | 2.75% |
| Q1 2024 | 4.95% | 1.15% | 3.85% | 5.99% | 2.70% |
| Q2 2024 | 4.95% | 1.38% | 3.65% | 5.98% | 2.68% |
| Q3 2024 | 5.15% | 1.49% | 3.72% | 6.19% | 2.64% |
| Q4 2024 | 5.20% | 1.42% | 3.86% | 6.25% | 2.58% |
| Q1 2025 | 5.17% | 1.31% | 3.92% | 6.19% | 2.65% |
| Q2 2025 | 5.20% | 1.25% | 4.02% | 6.22% | 2.80% |
| Q3 2025 | 5.13% | 1.36% | 3.93% | 6.07% | 2.83% |
| Q4 2025 | 5.29% | 1.19% | 4.17% | 6.23% | 2.85% |
| Q1 2026 | 5.30% | 1.14% | 4.23% | 6.22% | 2.87% |
| Q2 2026 | 5.35% | 1.20% | 4.24% | 6.27% | 2.84% |
The Bank of Marion 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 Marion, 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 Marion profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9507) · FFIEC NIC profile (RSSD 858528)