Fortuna Bank: 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 interest-bearing deposits, which rose 0.49 percentage points to 3.94%. Within Ohio, Fortuna Bank is 119th of 156 on net interest margin, 3.16% as of Q2 2026. Fortuna Bank reported 3.16% on net interest margin for Q2 2026, 0.71 points below the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 6.69% |
| Yield on securities | 4.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.18% |
| Cost of interest-bearing deposits | 3.94% |
| Cost of interest-bearing liabilities | 3.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 1.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $420K |
| Total interest expense | $283K |
| Interest expense on deposits | $283K |
Yields and Funding Costs trend
Last 7 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 |
|---|---|---|---|---|---|
| Q4 2024 | — | — | — | — | — |
| Q1 2025 | 4.26% | 2.99% | 3.13% | 6.46% | 4.82% |
| Q2 2025 | 4.51% | 3.19% | 2.80% | 6.78% | 4.11% |
| Q3 2025 | 5.07% | 3.57% | 3.07% | 6.03% | 4.60% |
| Q4 2025 | 4.88% | 3.45% | 3.02% | 6.97% | 4.60% |
| Q1 2026 | 5.17% | 3.03% | 3.32% | 6.70% | 4.66% |
| Q2 2026 | 5.32% | 3.18% | 3.16% | 6.69% | 4.71% |
Fortuna Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortuna Bank, 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 Fortuna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59330) · FFIEC NIC profile (RSSD 5837377)