Buckeye 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.
Cost of borrowings climbed 0.99 percentage points in Q2 2026, from 2.06% to 3.05%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Buckeye State Bank is 101st of 156 on net interest margin, 3.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Buckeye State Bank sits 0.50 points lower, at 3.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.60% |
| Yield on securities | 4.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.44% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 3.05% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.4M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.8M |
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 | 5.20% | 2.42% | 2.99% | 5.72% | 4.65% |
| Q4 2023 | 5.22% | 2.44% | 2.84% | 5.82% | 4.25% |
| Q1 2024 | 5.55% | 3.01% | 2.91% | 6.09% | 4.72% |
| Q2 2024 | 6.01% | 2.71% | 3.25% | 6.18% | 4.77% |
| Q3 2024 | 5.99% | 2.48% | 3.27% | 6.55% | 3.99% |
| Q4 2024 | 5.21% | 2.22% | 2.73% | 5.88% | 3.94% |
| Q1 2025 | 5.46% | 1.95% | 3.33% | 6.23% | 3.99% |
| Q2 2025 | 5.64% | 2.26% | 3.43% | 6.41% | 4.23% |
| Q3 2025 | 5.86% | 2.33% | 3.57% | 6.59% | 4.34% |
| Q4 2025 | 6.12% | 2.50% | 3.69% | 6.86% | 4.57% |
| Q1 2026 | 5.72% | 2.38% | 3.44% | 6.55% | 4.32% |
| Q2 2026 | 5.81% | 2.44% | 3.44% | 6.60% | 4.71% |
Buckeye 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 Buckeye 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 Buckeye State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2286) · FFIEC NIC profile (RSSD 870913)