The Farmers National Bank of Danville: 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.
Total interest expense rose 3.8% from Q1 2026 to Q2 2026, ending at $3.2M against $3.1M. It was the largest change among the key lines on this page. Within Kentucky, The Farmers National Bank of Danville is 23rd of 119 on net interest margin, 4.48% as of Q2 2026, above the middle of the field. The Farmers National Bank of Danville reported 4.48% on net interest margin for Q2 2026, 0.53 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.68% |
| Cost of interest-bearing liabilities | 1.76% |
| Cost of borrowings | 3.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.48% |
| Yield to cost spread | 4.06% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.5M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $2.9M |
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 |
|---|---|---|---|
| Q3 2023 | 5.15% | 1.68% | 3.56% |
| Q4 2023 | 5.23% | 1.83% | 3.49% |
| Q1 2024 | 5.26% | 2.12% | 3.25% |
| Q2 2024 | 5.31% | 2.11% | 3.35% |
| Q3 2024 | 5.50% | 2.00% | 3.65% |
| Q4 2024 | 5.48% | 1.89% | 3.70% |
| Q1 2025 | 5.36% | 1.67% | 3.78% |
| Q2 2025 | 5.59% | 2.13% | 3.60% |
| Q3 2025 | 5.78% | 1.75% | 4.15% |
| Q4 2025 | 5.83% | 1.64% | 4.30% |
| Q1 2026 | 5.76% | 1.39% | 4.46% |
| Q2 2026 | 5.82% | 1.42% | 4.48% |
The Farmers National Bank of Danville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers National Bank of Danville, 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 The Farmers National Bank of Danville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2740) · FFIEC NIC profile (RSSD 785147)