BANK419: 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 0.26 percentage points from Q1 2026 to Q2 2026, ending at 4.59% against 4.33%. It was the largest change among the key lines on this page. BANK419 ranks 16th of 156 Ohio banks on net interest margin, in the upper half at 4.59% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. BANK419 sits 0.71 points higher, at 4.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.25% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.82% |
| Cost of interest-bearing deposits | 1.12% |
| Cost of interest-bearing liabilities | 1.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.59% |
| Yield to cost spread | 4.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $183K |
| Interest expense on deposits | $166K |
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 | 4.66% | 0.76% | 3.94% | 5.73% | 1.74% |
| Q4 2023 | 4.72% | 1.08% | 3.68% | 5.64% | 1.81% |
| Q1 2024 | 4.94% | 1.15% | 3.87% | 5.93% | 1.64% |
| Q2 2024 | 4.95% | 1.20% | 3.82% | 5.96% | 1.65% |
| Q3 2024 | 5.03% | 1.23% | 3.86% | 6.11% | 1.58% |
| Q4 2024 | 5.09% | 1.13% | 4.00% | 6.01% | 1.73% |
| Q1 2025 | 5.07% | 0.85% | 4.29% | 5.96% | 1.69% |
| Q2 2025 | 5.24% | 0.86% | 4.42% | 6.17% | 1.67% |
| Q3 2025 | 5.45% | 1.07% | 4.44% | 6.40% | 1.68% |
| Q4 2025 | 5.47% | 1.06% | 4.47% | 6.33% | 1.80% |
| Q1 2026 | 5.23% | 0.95% | 4.33% | 6.09% | 1.72% |
| Q2 2026 | 5.38% | 0.82% | 4.59% | 6.25% | 2.21% |
BANK419 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK419, 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 BANK419 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16167) · FFIEC NIC profile (RSSD 533227)