Blue Grass Federal Savings and Loan Association: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 2.87%. On net interest margin, Blue Grass Federal Savings and Loan Association is 8th from the bottom among 119 Kentucky banks, 2.87% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Blue Grass Federal Savings and Loan Association sits 1.02 points lower, at 2.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 5.79% |
| Yield on securities | 2.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.44% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.87% |
| Yield to cost spread | 2.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $636K |
| Total interest expense | $337K |
| Interest expense on deposits | $262K |
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 | 4.75% | 2.80% | 2.94% | 5.01% | 1.83% |
| Q4 2023 | 5.06% | 3.16% | 3.00% | 5.39% | 1.71% |
| Q1 2024 | 4.94% | 3.36% | 2.68% | 5.21% | 1.77% |
| Q2 2024 | 5.07% | 3.76% | 2.54% | 5.38% | 1.74% |
| Q3 2024 | 5.27% | 3.95% | 2.56% | 5.59% | 1.71% |
| Q4 2024 | 5.29% | 3.85% | 2.66% | 5.71% | 1.77% |
| Q1 2025 | 5.09% | 3.53% | 2.66% | 5.52% | 1.74% |
| Q2 2025 | 5.16% | 3.45% | 2.74% | 5.55% | 1.70% |
| Q3 2025 | 5.32% | 3.43% | 2.86% | 5.76% | 1.77% |
| Q4 2025 | 5.25% | 3.48% | 2.76% | 5.84% | 2.01% |
| Q1 2026 | 5.03% | 3.27% | 2.69% | 5.60% | 2.63% |
| Q2 2026 | 5.34% | 3.44% | 2.87% | 5.79% | 2.74% |
Blue Grass Federal Savings and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Grass Federal Savings and Loan Association, 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 Blue Grass Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31090) · FFIEC NIC profile (RSSD 617079)