The Croghan Colonial 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.
Total interest expense climbed 9.0% in Q2 2026, from $5.4M to $5.9M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Croghan Colonial Bank is 76th of 156 on net interest margin, 3.71% as of Q2 2026, above the middle of the field. At 3.71%, The Croghan Colonial Bank's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.55% |
| Yield on securities | 3.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.96% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.56% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.4M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $4.4M |
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% | 1.04% | 3.37% | 5.33% | 2.86% |
| Q4 2023 | 4.68% | 1.21% | 3.31% | 5.37% | 2.97% |
| Q1 2024 | 4.74% | 1.39% | 3.17% | 5.42% | 3.08% |
| Q2 2024 | 4.86% | 1.49% | 3.21% | 5.59% | 3.15% |
| Q3 2024 | 5.06% | 1.56% | 3.33% | 5.82% | 3.21% |
| Q4 2024 | 5.06% | 1.49% | 3.42% | 5.89% | 3.16% |
| Q1 2025 | 5.00% | 1.50% | 3.35% | 5.78% | 3.18% |
| Q2 2025 | 5.16% | 1.51% | 3.51% | 5.99% | 3.32% |
| Q3 2025 | 5.26% | 1.55% | 3.56% | 6.11% | 3.34% |
| Q4 2025 | 5.31% | 1.54% | 3.64% | 6.17% | 3.51% |
| Q1 2026 | 5.34% | 1.85% | 3.63% | 6.24% | 3.41% |
| Q2 2026 | 5.50% | 1.96% | 3.71% | 6.55% | 3.29% |
The Croghan Colonial 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 The Croghan Colonial 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 The Croghan Colonial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13341) · FFIEC NIC profile (RSSD 362717)