Cumberland Valley National Bank & Trust Company: 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 4.03%, the biggest move on this page. Within Kentucky, Cumberland Valley National Bank & Trust Company is 57th of 119 on net interest margin, 4.03% as of Q2 2026, above the middle of the field. At 4.03%, Cumberland Valley National Bank & Trust Company's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 6.60% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.03% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.2M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.2M |
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 | 4.66% | 1.42% | 3.30% | 5.29% | 2.06% |
| Q4 2023 | 4.88% | 1.60% | 3.36% | 5.44% | 2.13% |
| Q1 2024 | 4.95% | 1.73% | 3.30% | 5.58% | 2.03% |
| Q2 2024 | 5.11% | 1.81% | 3.40% | 5.80% | 2.06% |
| Q3 2024 | 5.21% | 1.91% | 3.42% | 5.91% | 2.13% |
| Q4 2024 | 5.27% | 1.91% | 3.48% | 6.04% | 2.19% |
| Q1 2025 | 5.25% | 1.86% | 3.48% | 6.03% | 2.59% |
| Q2 2025 | 5.48% | 1.90% | 3.68% | 6.29% | 2.72% |
| Q3 2025 | 5.53% | 1.90% | 3.74% | 6.34% | 2.78% |
| Q4 2025 | 5.52% | 1.83% | 3.78% | 6.39% | 2.88% |
| Q1 2026 | 5.37% | 1.72% | 3.73% | 6.32% | 2.84% |
| Q2 2026 | 5.64% | 1.69% | 4.03% | 6.60% | 3.31% |
Cumberland Valley National Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Cumberland Valley National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)