Consumers National 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 Total interest expense, which rose 4.4% to $5.1M. Within Ohio, Consumers National Bank is 101st of 156 on net interest margin, 3.47% as of Q2 2026, below the middle of the field. Consumers National Bank reported 3.47% on net interest margin for Q2 2026, 0.24 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.16% |
| Yield on loans | 5.78% |
| Yield on securities | 3.15% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.26% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | 1.99% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.47% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.2M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $4.9M |
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 | 4.56% | 1.44% | 3.19% | 5.44% | 2.56% |
| Q4 2023 | 4.68% | 1.70% | 3.07% | 5.56% | 2.62% |
| Q1 2024 | 4.75% | 1.77% | 3.01% | 5.61% | 2.67% |
| Q2 2024 | 4.87% | 1.91% | 3.06% | 5.72% | 2.73% |
| Q3 2024 | 4.93% | 1.99% | 3.03% | 5.78% | 2.78% |
| Q4 2024 | 4.93% | 1.91% | 3.12% | 5.75% | 2.89% |
| Q1 2025 | 4.86% | 1.71% | 3.22% | 5.64% | 2.98% |
| Q2 2025 | 5.02% | 1.72% | 3.38% | 5.78% | 3.07% |
| Q3 2025 | 5.11% | 1.79% | 3.40% | 5.85% | 3.08% |
| Q4 2025 | 5.16% | 1.78% | 3.47% | 5.85% | 3.12% |
| Q1 2026 | 5.15% | 1.73% | 3.49% | 5.82% | 3.13% |
| Q2 2026 | 5.16% | 1.76% | 3.47% | 5.78% | 3.15% |
Consumers National 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 Consumers National 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 Consumers National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19482) · FFIEC NIC profile (RSSD 477321)