The First National Bank of Manchester: 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 biggest quarter-over-quarter change on this page was a small one: Yield on earning assets edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 5.96%. The First National Bank of Manchester ranks 18th of 119 Kentucky banks on net interest margin, in the upper half at 4.62% (Q2 2026). The First National Bank of Manchester reported 4.62% on net interest margin for Q2 2026, 0.67 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.76% |
| Yield on securities | 4.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.54% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $735K |
| Interest expense on deposits | $735K |
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 | 5.30% | 1.24% | 3.87% | 6.03% | 3.49% |
| Q4 2023 | 5.55% | 1.41% | 3.88% | 6.14% | 3.61% |
| Q1 2024 | 5.60% | 1.47% | 3.86% | 6.27% | 3.35% |
| Q2 2024 | 5.97% | 1.53% | 4.24% | 6.54% | 3.33% |
| Q3 2024 | 6.06% | 1.62% | 4.26% | 6.61% | 4.77% |
| Q4 2024 | 5.90% | 1.72% | 3.98% | 6.61% | 4.33% |
| Q1 2025 | 5.67% | 1.59% | 3.90% | 6.55% | 4.51% |
| Q2 2025 | 6.00% | 1.48% | 4.36% | 6.66% | 4.55% |
| Q3 2025 | 6.06% | 1.47% | 4.45% | 6.82% | 4.59% |
| Q4 2025 | 5.87% | 1.39% | 4.41% | 6.62% | 4.45% |
| Q1 2026 | 5.88% | 1.20% | 4.58% | 6.76% | 4.36% |
| Q2 2026 | 5.96% | 1.25% | 4.62% | 6.76% | 4.39% |
The First National Bank of Manchester 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 First National Bank of Manchester, 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 First National Bank of Manchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2708) · FFIEC NIC profile (RSSD 719610)