Centrebank: 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 fell 0.24 percentage points to 5.69%. On net interest margin, Centrebank ranks 3rd highest among the 87 banks headquartered in Indiana, at 5.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Centrebank sits 1.75 points higher, at 5.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.78% |
| Yield on loans | 7.50% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.22% |
| Cost of interest-bearing deposits | 1.75% |
| Cost of interest-bearing liabilities | 1.75% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.69% |
| Yield to cost spread | 5.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $303K |
| Interest expense on deposits | $303K |
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 |
|---|---|---|---|---|
| Q3 2023 | 6.64% | 0.61% | 6.09% | 7.29% |
| Q4 2023 | 6.87% | 0.63% | 6.30% | 7.61% |
| Q1 2024 | 6.91% | 0.74% | 6.23% | 7.62% |
| Q2 2024 | 7.06% | 0.88% | 6.28% | 7.82% |
| Q3 2024 | 7.29% | 1.03% | 6.36% | 8.02% |
| Q4 2024 | 7.08% | 1.20% | 6.03% | 7.91% |
| Q1 2025 | 6.92% | 1.20% | 5.85% | 7.68% |
| Q2 2025 | 7.13% | 1.20% | 6.06% | 7.77% |
| Q3 2025 | 7.09% | 1.15% | 6.06% | 7.62% |
| Q4 2025 | 7.08% | 1.14% | 6.08% | 7.60% |
| Q1 2026 | 6.99% | 1.21% | 5.93% | 7.55% |
| Q2 2026 | 6.78% | 1.22% | 5.69% | 7.50% |
Centrebank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Centrebank, 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 Centrebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15532) · FFIEC NIC profile (RSSD 163343)