Elkton 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.50%. Within Kentucky, Elkton Bank & Trust Company is 93rd of 119 on net interest margin, 3.50% 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. Elkton Bank & Trust Company sits 0.45 points lower, at 3.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 7.18% |
| Yield on securities | 2.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.88% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $609K |
| Interest expense on deposits | $578K |
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 | 4.42% | 1.37% | 3.15% | 6.55% | 2.75% |
| Q4 2023 | 4.69% | 1.70% | 3.12% | 6.94% | 2.85% |
| Q1 2024 | 4.80% | 1.77% | 3.12% | 7.34% | 2.77% |
| Q2 2024 | 4.88% | 1.83% | 3.18% | 7.09% | 2.80% |
| Q3 2024 | 4.96% | 1.66% | 3.44% | 7.18% | 2.78% |
| Q4 2024 | 4.92% | 1.55% | 3.51% | 7.15% | 2.65% |
| Q1 2025 | 4.77% | 1.48% | 3.43% | 7.06% | 2.61% |
| Q2 2025 | 4.91% | 1.52% | 3.52% | 7.15% | 2.58% |
| Q3 2025 | 5.08% | 1.55% | 3.65% | 7.35% | 2.68% |
| Q4 2025 | 4.96% | 1.53% | 3.59% | 7.30% | 2.57% |
| Q1 2026 | 4.53% | 1.42% | 3.30% | 6.99% | 2.55% |
| Q2 2026 | 4.77% | 1.42% | 3.50% | 7.18% | 2.62% |
Elkton 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 Elkton 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 Elkton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12162) · FFIEC NIC profile (RSSD 998648)