Bath State Bank: 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.08 percentage points between Q1 2026 and Q2 2026, to 4.01%. Within Indiana, Bath State Bank is 76th of 87 on net interest margin, 3.09% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Bath State Bank sits 0.85 points lower, at 3.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.44% |
| Yield on loans | 6.22% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.68% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.09% |
| Yield to cost spread | 2.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.9M |
| 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 | 4.72% | 2.53% | 2.30% | 5.55% | 2.56% |
| Q4 2023 | 4.91% | 2.87% | 2.20% | 5.73% | 2.55% |
| Q1 2024 | 5.05% | 3.08% | 2.09% | 5.85% | 2.56% |
| Q2 2024 | 5.23% | 3.12% | 2.22% | 6.06% | 2.57% |
| Q3 2024 | 5.32% | 3.07% | 2.38% | 6.19% | 2.57% |
| Q4 2024 | 5.36% | 2.92% | 2.59% | 6.24% | 2.57% |
| Q1 2025 | 5.33% | 2.71% | 2.73% | 6.17% | 2.59% |
| Q2 2025 | 5.38% | 2.61% | 2.88% | 6.22% | 2.59% |
| Q3 2025 | 5.59% | 2.65% | 3.07% | 6.45% | 2.59% |
| Q4 2025 | 5.52% | 2.63% | 3.05% | 6.31% | 2.63% |
| Q1 2026 | 5.44% | 2.46% | 3.09% | 6.19% | 2.64% |
| Q2 2026 | 5.44% | 2.45% | 3.09% | 6.22% | 2.67% |
Bath State Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bath State Bank, 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 Bath State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8035) · FFIEC NIC profile (RSSD 308340)