County 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.
Cost of borrowings dropped 6.05 percentage points in Q2 2026, from 8.70% to 2.64%. It was the largest change from Q1 2026 among the key lines here. Within Delaware, County Bank is 4th of 16 on net interest margin, 5.25% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. County Bank sits 1.31 points higher, at 5.25% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.37% |
| Yield on loans | 7.32% |
| Yield on securities | 2.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.71% |
| Cost of interest-bearing liabilities | 1.72% |
| Cost of borrowings | 2.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.25% |
| Yield to cost spread | 4.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.6M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 5.01% | 0.72% | 4.33% | 5.82% | 2.50% |
| Q4 2023 | 5.30% | 0.75% | 4.58% | 6.14% | 2.53% |
| Q1 2024 | 5.38% | 0.99% | 4.44% | 6.26% | 2.36% |
| Q2 2024 | 5.50% | 1.15% | 4.40% | 6.31% | 2.27% |
| Q3 2024 | 5.60% | 1.16% | 4.55% | 6.62% | 2.00% |
| Q4 2024 | 5.78% | 1.21% | 4.70% | 6.84% | 1.96% |
| Q1 2025 | 5.84% | 1.27% | 4.70% | 6.90% | 1.96% |
| Q2 2025 | 6.22% | 1.30% | 5.05% | 7.28% | 1.98% |
| Q3 2025 | 6.63% | 1.23% | 5.55% | 7.82% | 2.00% |
| Q4 2025 | 6.57% | 1.25% | 5.48% | 7.65% | 2.08% |
| Q1 2026 | 6.37% | 1.31% | 5.23% | 7.40% | 2.11% |
| Q2 2026 | 6.37% | 1.29% | 5.25% | 7.32% | 2.08% |
County 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 County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33009) · FFIEC NIC profile (RSSD 1459735)