First National Bank of Kentucky: 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 Cost of borrowings, which fell 0.59 percentage points to 4.64%. First National Bank of Kentucky ranks 29th of 119 Kentucky banks on net interest margin, in the upper half at 4.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Kentucky sits 0.38 points higher, at 4.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 6.66% |
| Yield on securities | 3.89% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.49% |
| Cost of borrowings | 4.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.33% |
| Yield to cost spread | 3.64% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.16% | 1.26% | 3.86% | 5.64% | 1.30% |
| Q4 2023 | 5.26% | 1.51% | 3.84% | 5.79% | 1.91% |
| Q1 2024 | 5.36% | 1.64% | 3.86% | 5.92% | 2.29% |
| Q2 2024 | 5.55% | 1.83% | 3.90% | 6.14% | 2.35% |
| Q3 2024 | 5.77% | 2.10% | 3.88% | 6.34% | 2.51% |
| Q4 2024 | 5.75% | 2.13% | 3.83% | 6.34% | 2.93% |
| Q1 2025 | 5.81% | 2.05% | 3.95% | 6.44% | 3.12% |
| Q2 2025 | 6.10% | 2.06% | 4.24% | 6.63% | 3.54% |
| Q3 2025 | 6.01% | 2.17% | 4.06% | 6.57% | 3.72% |
| Q4 2025 | 5.99% | 2.06% | 4.18% | 6.41% | 3.80% |
| Q1 2026 | 6.04% | 2.07% | 4.21% | 6.48% | 3.45% |
| Q2 2026 | 6.13% | 2.11% | 4.33% | 6.66% | 3.89% |
First National Bank of Kentucky 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 National Bank of Kentucky, 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 National Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2735) · FFIEC NIC profile (RSSD 907444)