The Bank of Monroe: 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 3.86% against 3.72%. It was the largest change among the key lines on this page. Within West Virginia, The Bank of Monroe is 24th of 41 on net interest margin, 3.86% 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; The Bank of Monroe reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.37% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $906K |
| Interest expense on deposits | $906K |
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 | 4.46% | 1.01% | 3.52% | 5.49% | 2.56% |
| Q4 2023 | 4.65% | 1.28% | 3.46% | 5.65% | 2.61% |
| Q1 2024 | 4.61% | 1.50% | 3.21% | 5.75% | 2.40% |
| Q2 2024 | 4.98% | 1.67% | 3.43% | 5.88% | 3.16% |
| Q3 2024 | 5.01% | 1.84% | 3.29% | 6.10% | 3.00% |
| Q4 2024 | 5.08% | 1.84% | 3.37% | 6.11% | 3.14% |
| Q1 2025 | 4.99% | 1.76% | 3.35% | 6.03% | 3.22% |
| Q2 2025 | 5.05% | 1.85% | 3.46% | 6.21% | 2.91% |
| Q3 2025 | 5.51% | 1.75% | 3.85% | 6.32% | 4.14% |
| Q4 2025 | 5.34% | 1.75% | 3.72% | 6.39% | 3.46% |
| Q1 2026 | 5.25% | 1.65% | 3.72% | 6.25% | 3.53% |
| Q2 2026 | 5.35% | 1.62% | 3.86% | 6.37% | 3.48% |
The Bank of Monroe 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 Monroe, 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 Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6180) · FFIEC NIC profile (RSSD 849432)