First Kentucky 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.23 percentage points to 3.60%. First Kentucky Bank, Inc. ranks 87th of 119 Kentucky banks on net interest margin, in the lower half at 3.60% (Q2 2026). First Kentucky Bank, Inc. reported 3.60% on net interest margin for Q2 2026, 0.35 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 6.29% |
| Yield on securities | 3.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.60% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.3M |
| Interest expense on deposits | $2.1M |
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 | 4.43% | 1.64% | 2.87% | 5.36% | 2.71% |
| Q4 2023 | 4.62% | 1.92% | 2.79% | 5.61% | 2.79% |
| Q1 2024 | 4.69% | 2.06% | 2.73% | 5.69% | 2.84% |
| Q2 2024 | 4.82% | 2.17% | 2.76% | 5.84% | 2.90% |
| Q3 2024 | 4.93% | 2.23% | 2.82% | 6.00% | 2.92% |
| Q4 2024 | 4.96% | 2.15% | 2.93% | 6.08% | 2.89% |
| Q1 2025 | 4.89% | 1.95% | 3.05% | 5.99% | 2.88% |
| Q2 2025 | 5.01% | 1.88% | 3.24% | 6.10% | 3.02% |
| Q3 2025 | 5.14% | 1.91% | 3.33% | 6.29% | 3.09% |
| Q4 2025 | 5.15% | 1.88% | 3.38% | 6.29% | 3.14% |
| Q1 2026 | 5.01% | 1.72% | 3.37% | 6.16% | 3.12% |
| Q2 2026 | 5.22% | 1.72% | 3.60% | 6.29% | 3.41% |
First Kentucky 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 First Kentucky 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 First Kentucky Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21247) · FFIEC NIC profile (RSSD 263243)