Clinton 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 biggest quarter-over-quarter change on this page was a small one: Yield to cost spread edged down 0.21 percentage points between Q1 2026 and Q2 2026, to 3.35%. Clinton Bank ranks 30th of 119 Kentucky banks on net interest margin, in the upper half at 4.32% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Clinton Bank sits 0.44 points higher, at 4.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.84% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.75% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 3.12% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.32% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $876K |
| Total interest expense | $263K |
| Interest expense on deposits | $262K |
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 |
|---|---|---|---|
| Q3 2023 | 4.91% | 1.73% | 3.39% |
| Q4 2023 | 4.92% | 2.02% | 3.12% |
| Q1 2024 | 4.90% | 2.10% | 3.05% |
| Q2 2024 | 5.17% | 1.96% | 3.45% |
| Q3 2024 | 5.20% | 2.14% | 3.31% |
| Q4 2024 | 5.75% | 2.07% | 3.90% |
| Q1 2025 | 5.23% | 2.00% | 3.47% |
| Q2 2025 | 5.26% | 2.05% | 3.48% |
| Q3 2025 | 5.70% | 1.97% | 3.97% |
| Q4 2025 | 5.64% | 1.93% | 3.97% |
| Q1 2026 | 5.89% | 1.74% | 4.39% |
| Q2 2026 | 5.84% | 1.75% | 4.32% |
Clinton 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 Clinton 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 Clinton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 304) · FFIEC NIC profile (RSSD 782548)