Bank of Maysville: 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.
Cost of borrowings rose 0.36 percentage points from Q1 2026 to Q2 2026, ending at 4.04% against 3.68%. It was the largest change among the key lines on this page. Within Kentucky, Bank of Maysville is 64th of 119 on net interest margin, 3.96% as of Q2 2026, below the middle of the field. At 3.96%, Bank of Maysville's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 0.70% |
| Cost of interest-bearing liabilities | 0.73% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $202K |
| Interest expense on deposits | $192K |
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 |
|---|---|---|---|
| Q3 2023 | 3.46% | 0.53% | 2.99% |
| Q4 2023 | 3.48% | 0.66% | 2.91% |
| Q1 2024 | 3.51% | 0.69% | 2.91% |
| Q2 2024 | 3.62% | 0.68% | 3.02% |
| Q3 2024 | 3.81% | 0.57% | 3.32% |
| Q4 2024 | 3.85% | 0.59% | 3.35% |
| Q1 2025 | 3.91% | 0.64% | 3.35% |
| Q2 2025 | 4.09% | 0.63% | 3.54% |
| Q3 2025 | 4.33% | 0.64% | 3.78% |
| Q4 2025 | 4.36% | 0.61% | 3.84% |
| Q1 2026 | 4.36% | 0.60% | 3.85% |
| Q2 2026 | 4.48% | 0.60% | 3.96% |
Bank of Maysville 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 Maysville, 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 Maysville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9315) · FFIEC NIC profile (RSSD 782016)