Central Bank & Trust Company: 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 0.15 percentage points in Q2 2026 to 4.11%, the biggest move on this page. Central Bank & Trust Company ranks 46th of 119 Kentucky banks on net interest margin, in the upper half at 4.11% (Q2 2026). Central Bank & Trust Company reported 4.11% on net interest margin for Q2 2026, 0.40 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.99% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.53% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 2.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $44.2M |
| Total interest expense | $13.0M |
| Interest expense on deposits | $11.5M |
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 | 4.65% | 1.17% | 3.60% | 5.32% | 2.62% |
| Q4 2023 | 4.89% | 1.40% | 3.63% | 5.43% | 2.86% |
| Q1 2024 | 5.15% | 1.46% | 3.83% | 5.52% | 3.24% |
| Q2 2024 | 5.24% | 1.59% | 3.82% | 5.62% | 3.23% |
| Q3 2024 | 5.42% | 1.72% | 3.87% | 5.79% | 3.32% |
| Q4 2024 | 5.43% | 1.69% | 3.92% | 5.81% | 3.32% |
| Q1 2025 | 5.38% | 1.65% | 3.90% | 5.76% | 3.45% |
| Q2 2025 | 5.45% | 1.70% | 3.93% | 5.85% | 3.55% |
| Q3 2025 | 5.51% | 1.71% | 3.99% | 5.96% | 3.48% |
| Q4 2025 | 5.41% | 1.69% | 3.92% | 5.93% | 3.44% |
| Q1 2026 | 5.34% | 1.55% | 3.96% | 5.84% | 3.47% |
| Q2 2026 | 5.46% | 1.53% | 4.11% | 5.99% | 3.64% |
Central Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank & Trust Company, 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 Central Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)