The Bippus 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.
Total interest expense climbed 7.7% in Q2 2026, from $1.7M to $1.9M. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, The Bippus State Bank sits 6th from the top on net interest margin, 4.49% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Bippus State Bank sits 0.54 points higher, at 4.49% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.74% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.08% |
| Cost of borrowings | 3.66% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 4.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 5.55% | 1.78% | 3.92% | 6.08% | 2.60% |
| Q4 2023 | 5.73% | 1.87% | 4.00% | 6.27% | 2.63% |
| Q1 2024 | 5.79% | 1.97% | 3.96% | 6.28% | 2.76% |
| Q2 2024 | 6.07% | 1.82% | 4.39% | 6.54% | 3.02% |
| Q3 2024 | 6.22% | 1.73% | 4.63% | 6.75% | 3.02% |
| Q4 2024 | 6.14% | 1.66% | 4.61% | 6.58% | 2.93% |
| Q1 2025 | 6.08% | 1.70% | 4.51% | 6.54% | 2.87% |
| Q2 2025 | 6.19% | 1.80% | 4.52% | 6.64% | 2.88% |
| Q3 2025 | 6.38% | 1.87% | 4.65% | 6.83% | 2.88% |
| Q4 2025 | 6.35% | 1.84% | 4.62% | 6.77% | 2.87% |
| Q1 2026 | 6.16% | 1.84% | 4.43% | 6.57% | 3.09% |
| Q2 2026 | 6.30% | 1.92% | 4.49% | 6.74% | 3.66% |
The Bippus 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 The Bippus 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 The Bippus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1847) · FFIEC NIC profile (RSSD 443148)