Edmonton State 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.
Compared with Q1 2026, Net interest margin rose 0.18 percentage points in Q2 2026 to 4.93%, the biggest move on this page. Among 119 Kentucky banks, Edmonton State Bank sits 9th from the top on net interest margin, 4.93% as of Q2 2026. Edmonton State Bank reported 4.93% on net interest margin for Q2 2026, 1.22 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 6.90% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.21% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.6M |
| Total interest expense | $4.0M |
| Interest expense on deposits | $3.9M |
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 | 5.35% | 0.92% | 4.44% | 5.82% | 2.35% |
| Q4 2023 | 6.11% | 1.21% | 4.89% | 6.57% | 3.10% |
| Q1 2024 | 6.14% | 1.51% | 4.73% | 6.52% | 3.21% |
| Q2 2024 | 6.32% | 1.71% | 4.74% | 6.70% | 3.24% |
| Q3 2024 | 6.38% | 1.87% | 4.66% | 6.84% | 3.40% |
| Q4 2024 | 6.39% | 1.88% | 4.69% | 6.80% | 3.51% |
| Q1 2025 | 6.15% | 1.75% | 4.53% | 6.68% | 3.59% |
| Q2 2025 | 6.37% | 1.74% | 4.75% | 6.87% | 3.66% |
| Q3 2025 | 6.41% | 1.78% | 4.75% | 7.00% | 3.73% |
| Q4 2025 | 6.43% | 1.71% | 4.87% | 7.00% | 3.69% |
| Q1 2026 | 6.25% | 1.60% | 4.75% | 6.90% | 3.77% |
| Q2 2026 | 6.40% | 1.57% | 4.93% | 6.90% | 3.85% |
Edmonton State 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 Edmonton State 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 Edmonton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9678) · FFIEC NIC profile (RSSD 845247)