Eclipse Bank, Inc.: 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 0.08 percentage points, from 2.66% to 2.74%, the largest move among the key lines here. Eclipse Bank, Inc. has the 5th lowest net interest margin of the 119 banks headquartered in Kentucky, at 2.74% as of Q2 2026. Eclipse Bank, Inc. reported 2.74% on net interest margin for Q2 2026, 1.20 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.03% |
| Yield on securities | 2.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.13% |
| Cost of interest-bearing deposits | 3.26% |
| Cost of interest-bearing liabilities | 3.39% |
| Cost of borrowings | 3.72% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.74% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $2.5M |
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 | 5.13% | 3.72% | 1.63% | 5.33% | 1.83% |
| Q4 2023 | 5.20% | 3.91% | 1.53% | 5.39% | 2.06% |
| Q1 2024 | 5.38% | 4.28% | 1.33% | 5.61% | 2.08% |
| Q2 2024 | 5.44% | 3.73% | 1.91% | 5.63% | 2.05% |
| Q3 2024 | 5.53% | 3.80% | 1.93% | 5.77% | 2.10% |
| Q4 2024 | 5.46% | 3.65% | 2.01% | 5.74% | 1.69% |
| Q1 2025 | 5.47% | 3.50% | 2.16% | 5.75% | 1.97% |
| Q2 2025 | 5.66% | 3.50% | 2.35% | 5.95% | 2.15% |
| Q3 2025 | 5.70% | 3.43% | 2.48% | 5.98% | 2.05% |
| Q4 2025 | 5.69% | 3.28% | 2.61% | 6.01% | 2.05% |
| Q1 2026 | 5.60% | 3.15% | 2.66% | 5.91% | 2.11% |
| Q2 2026 | 5.69% | 3.13% | 2.74% | 6.03% | 2.14% |
Eclipse Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Eclipse Bank, Inc., 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 Eclipse Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58049) · FFIEC NIC profile (RSSD 3347603)