The Commercial Bank of Grayson: 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 dropped 3.08 percentage points in Q2 2026, from 6.06% to 2.98%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Commercial Bank of Grayson is 23rd of 119 on net interest margin, 4.48% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Commercial Bank of Grayson sits 0.53 points higher, at 4.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.72% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.95% |
| Cost of interest-bearing deposits | 1.49% |
| Cost of interest-bearing liabilities | 1.50% |
| Cost of borrowings | 2.98% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $520K |
| Interest expense on deposits | $515K |
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 | 4.12% | 0.51% | 3.64% | 5.94% | 1.30% |
| Q4 2023 | 4.28% | 0.71% | 3.62% | 6.06% | 1.31% |
| Q1 2024 | 4.35% | 0.91% | 3.50% | 6.12% | 1.32% |
| Q2 2024 | 4.49% | 0.94% | 3.61% | 6.24% | 1.30% |
| Q3 2024 | 4.71% | 1.01% | 3.77% | 6.42% | 1.34% |
| Q4 2024 | 4.84% | 1.07% | 3.86% | 6.46% | 1.48% |
| Q1 2025 | 4.77% | 1.03% | 3.80% | 6.35% | 1.61% |
| Q2 2025 | 4.90% | 1.03% | 3.93% | 6.45% | 1.91% |
| Q3 2025 | 5.08% | 1.05% | 4.10% | 6.65% | 2.13% |
| Q4 2025 | 5.20% | 1.02% | 4.25% | 6.75% | 2.35% |
| Q1 2026 | 5.17% | 0.95% | 4.28% | 6.59% | 2.49% |
| Q2 2026 | 5.38% | 0.95% | 4.48% | 6.72% | 2.58% |
The Commercial Bank of Grayson 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 Commercial Bank of Grayson, 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 Commercial Bank of Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10137) · FFIEC NIC profile (RSSD 812614)