Bank of the Bluegrass and Trust Co.: 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.
Compared with Q1 2026, Net interest margin rose 0.16 percentage points in Q2 2026 to 3.69%, the biggest move on this page. Bank of the Bluegrass and Trust Co. ranks 81st of 119 Kentucky banks on net interest margin, in the lower half at 3.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of the Bluegrass and Trust Co. sits 0.26 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.25% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 4.06% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.6M |
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 | 4.61% | 1.77% | 3.11% | 5.22% | 2.31% |
| Q4 2023 | 4.76% | 2.05% | 3.03% | 5.39% | 2.35% |
| Q1 2024 | 4.81% | 2.33% | 2.84% | 5.42% | 2.38% |
| Q2 2024 | 4.93% | 2.33% | 2.97% | 5.56% | 2.30% |
| Q3 2024 | 5.06% | 2.47% | 3.02% | 5.71% | 2.44% |
| Q4 2024 | 5.16% | 2.49% | 3.13% | 5.78% | 2.49% |
| Q1 2025 | 5.15% | 2.12% | 3.25% | 5.81% | 2.45% |
| Q2 2025 | 5.26% | 2.23% | 3.23% | 5.97% | 2.59% |
| Q3 2025 | 5.34% | 2.19% | 3.35% | 6.09% | 2.76% |
| Q4 2025 | 5.44% | 2.07% | 3.57% | 6.18% | 2.81% |
| Q1 2026 | 5.38% | 2.04% | 3.53% | 6.05% | 2.81% |
| Q2 2026 | 5.51% | 2.02% | 3.69% | 6.25% | 2.77% |
Bank of the Bluegrass and Trust Co. 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 the Bluegrass and Trust Co., 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 the Bluegrass and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21161) · FFIEC NIC profile (RSSD 1006513)