The Cecilian 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.18 percentage points to 3.97%. Within Kentucky, The Cecilian Bank is 61st of 119 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Cecilian Bank sits 0.26 points higher, at 3.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.75% |
| Yield on securities | 2.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 5.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.8M |
| Total interest expense | $5.6M |
| Interest expense on deposits | $4.4M |
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 | 4.31% | 1.32% | 3.09% | 5.77% | 1.23% |
| Q4 2023 | 4.47% | 1.58% | 3.00% | 5.93% | 1.23% |
| Q1 2024 | 4.54% | 1.87% | 2.79% | 5.98% | 1.24% |
| Q2 2024 | 4.70% | 1.93% | 2.90% | 6.14% | 1.25% |
| Q3 2024 | 4.89% | 1.99% | 3.04% | 6.36% | 1.25% |
| Q4 2024 | 4.98% | 1.93% | 3.20% | 6.43% | 1.30% |
| Q1 2025 | 5.00% | 1.87% | 3.26% | 6.36% | 1.35% |
| Q2 2025 | 5.19% | 1.86% | 3.47% | 6.58% | 1.47% |
| Q3 2025 | 5.33% | 1.81% | 3.66% | 6.72% | 1.65% |
| Q4 2025 | 5.46% | 1.73% | 3.85% | 6.73% | 1.88% |
| Q1 2026 | 5.29% | 1.61% | 3.79% | 6.54% | 1.93% |
| Q2 2026 | 5.45% | 1.59% | 3.97% | 6.75% | 2.07% |
The Cecilian 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 Cecilian 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 Cecilian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8774) · FFIEC NIC profile (RSSD 982142)