County 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.92% to 4.04%, the largest move among the key lines here. County National Bank ranks 38th of 72 Michigan banks on net interest margin, in the lower half at 4.04% (Q2 2026). County National Bank reported 4.04% on net interest margin for Q2 2026, 0.33 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 5.95% |
| Yield on securities | 4.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.02% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.7M |
| Total interest expense | $5.5M |
| Interest expense on deposits | $4.6M |
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 | 5.15% | 1.68% | 3.58% | 5.44% | 2.48% |
| Q4 2023 | 5.29% | 1.83% | 3.59% | 5.61% | 2.40% |
| Q1 2024 | 5.41% | 1.99% | 3.55% | 5.64% | 3.44% |
| Q2 2024 | 5.57% | 2.01% | 3.69% | 5.77% | 3.69% |
| Q3 2024 | 5.72% | 1.95% | 3.91% | 6.01% | 3.83% |
| Q4 2024 | 5.74% | 2.05% | 3.84% | 5.98% | 3.74% |
| Q1 2025 | 5.57% | 2.05% | 3.67% | 5.86% | 3.70% |
| Q2 2025 | 5.64% | 1.94% | 3.85% | 5.95% | 3.84% |
| Q3 2025 | 5.78% | 1.98% | 3.96% | 6.05% | 4.01% |
| Q4 2025 | 5.81% | 1.90% | 4.06% | 6.05% | 4.42% |
| Q1 2026 | 5.61% | 1.83% | 3.92% | 5.85% | 4.16% |
| Q2 2026 | 5.74% | 1.85% | 4.04% | 5.95% | 4.34% |
County 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 County 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 County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14073) · FFIEC NIC profile (RSSD 682143)