Farmers & Traders Bank of Campton: 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 standout move of Q2 2026 was in Cost of borrowings: 2.26 percentage points higher than in Q1 2026, at 16.59%. Farmers & Traders Bank of Campton ranks 43rd of 119 Kentucky banks on net interest margin, in the upper half at 4.14% (Q2 2026). Farmers & Traders Bank of Campton reported 4.14% on net interest margin for Q2 2026, 0.25 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 6.62% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 1.83% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 16.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $706K |
| Total interest expense | $227K |
| Interest expense on deposits | $151K |
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 | 4.73% | 1.06% | 3.74% | 6.13% | 3.52% |
| Q4 2023 | 4.70% | 1.34% | 3.46% | 6.03% | 3.51% |
| Q1 2024 | 4.75% | 1.59% | 3.30% | 6.02% | 3.42% |
| Q2 2024 | 4.87% | 1.48% | 3.50% | 6.15% | 3.37% |
| Q3 2024 | 5.06% | 1.87% | 3.33% | 6.36% | 3.52% |
| Q4 2024 | 5.04% | 1.79% | 3.42% | 6.29% | 3.38% |
| Q1 2025 | 5.08% | 1.73% | 3.55% | 6.33% | 3.44% |
| Q2 2025 | 5.25% | 1.64% | 3.78% | 6.49% | 3.50% |
| Q3 2025 | 5.32% | 1.63% | 3.92% | 6.59% | 3.46% |
| Q4 2025 | 5.34% | 1.44% | 3.98% | 6.48% | 3.50% |
| Q1 2026 | 5.78% | 1.54% | 4.45% | 6.40% | 4.74% |
| Q2 2026 | 5.50% | 1.59% | 4.14% | 6.62% | 3.48% |
Farmers & Traders Bank of Campton yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Traders Bank of Campton, 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 Farmers & Traders Bank of Campton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 288) · FFIEC NIC profile (RSSD 839817)