The Bank of Romney: 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.
The standout move of Q2 2026 was in Net interest margin: 0.39 percentage points higher than in Q1 2026, at 4.65%. On net interest margin, The Bank of Romney ranks 4th highest among the 41 banks headquartered in West Virginia, at 4.65% (Q2 2026). The Bank of Romney reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.21% |
| Yield on loans | 7.12% |
| Yield on securities | 2.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | 2.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.8M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.2M |
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 | 5.11% | 1.29% | 3.96% | 5.89% | 1.70% |
| Q4 2023 | 5.34% | 1.45% | 4.00% | 6.17% | 1.82% |
| Q1 2024 | 5.43% | 1.71% | 3.90% | 6.31% | 1.79% |
| Q2 2024 | 5.49% | 1.75% | 3.93% | 6.38% | 1.74% |
| Q3 2024 | 5.74% | 1.59% | 4.31% | 6.64% | 1.75% |
| Q4 2024 | 5.79% | 1.69% | 4.28% | 6.66% | 1.77% |
| Q1 2025 | 5.81% | 1.59% | 4.37% | 6.75% | 1.77% |
| Q2 2025 | 6.55% | 1.81% | 4.94% | 7.66% | 1.95% |
| Q3 2025 | 5.74% | 1.85% | 4.12% | 6.67% | 2.08% |
| Q4 2025 | 5.98% | 1.81% | 4.38% | 6.84% | 2.58% |
| Q1 2026 | 5.85% | 1.78% | 4.26% | 6.69% | 2.66% |
| Q2 2026 | 6.21% | 1.75% | 4.65% | 7.12% | 2.76% |
The Bank of Romney 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 Romney, 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 Romney profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 845) · FFIEC NIC profile (RSSD 722432)