Eaton Community 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.
Net interest margin rose 0.15 percentage points from Q1 2026 to Q2 2026, ending at 3.58% against 3.43%. It was the largest change among the key lines on this page. Within Michigan, Eaton Community Bank is 55th of 72 on net interest margin, 3.58% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Eaton Community Bank sits 0.37 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.42% |
| Yield on loans | 5.80% |
| Yield on securities | 4.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.92% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.23% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.9M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.1M |
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 | 5.06% | 1.47% | 3.74% | 5.21% | 4.53% |
| Q4 2023 | 5.33% | 1.60% | 3.89% | 5.68% | 4.49% |
| Q1 2024 | 5.16% | 1.72% | 3.63% | 5.46% | 4.29% |
| Q2 2024 | 5.30% | 2.04% | 3.49% | 5.62% | 4.39% |
| Q3 2024 | 5.47% | 2.13% | 3.60% | 5.83% | 4.51% |
| Q4 2024 | 5.34% | 2.29% | 3.34% | 5.87% | 4.24% |
| Q1 2025 | 5.20% | 2.07% | 3.25% | 5.77% | 4.11% |
| Q2 2025 | 5.27% | 2.17% | 3.22% | 5.85% | 4.04% |
| Q3 2025 | 5.31% | 2.20% | 3.25% | 5.91% | 3.94% |
| Q4 2025 | 5.27% | 2.13% | 3.26% | 5.84% | 3.98% |
| Q1 2026 | 5.32% | 1.99% | 3.43% | 5.76% | 4.57% |
| Q2 2026 | 5.42% | 1.92% | 3.58% | 5.80% | 4.62% |
Eaton Community 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 Eaton Community 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 Eaton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29846) · FFIEC NIC profile (RSSD 980773)