The Blue Grass Valley 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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.43%, the biggest move on this page. Within Virginia, The Blue Grass Valley Bank is 42nd of 56 on net interest margin, 3.43% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Blue Grass Valley Bank sits 0.46 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.40% |
| Yield on loans | 6.73% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $589K |
| Total interest expense | $274K |
| Interest expense on deposits | $274K |
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 | 4.12% | 1.65% | 2.58% | 5.46% | 1.53% |
| Q4 2023 | 4.38% | 1.85% | 2.64% | 5.64% | 1.75% |
| Q1 2024 | 4.48% | 1.83% | 2.72% | 5.80% | 1.86% |
| Q2 2024 | 4.71% | 1.99% | 2.80% | 6.00% | 1.83% |
| Q3 2024 | 4.82% | 2.00% | 2.89% | 6.13% | 1.86% |
| Q4 2024 | 4.91% | 1.93% | 3.04% | 6.23% | 1.97% |
| Q1 2025 | 4.97% | 1.82% | 3.18% | 6.25% | 2.29% |
| Q2 2025 | 5.14% | 1.81% | 3.40% | 6.39% | 2.47% |
| Q3 2025 | 5.31% | 1.81% | 3.42% | 6.57% | 2.49% |
| Q4 2025 | 5.32% | 1.97% | 3.39% | 6.65% | 2.63% |
| Q1 2026 | 5.18% | 1.95% | 3.26% | 6.52% | 2.77% |
| Q2 2026 | 5.40% | 1.99% | 3.43% | 6.73% | 2.96% |
The Blue Grass Valley 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 Blue Grass Valley 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 Blue Grass Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8672) · FFIEC NIC profile (RSSD 755421)