Generations Community 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.
Net interest margin climbed 2.16 percentage points in Q2 2026, from 1.26% to 3.42%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Generations Community Bank is 63rd of 87 on net interest margin, 3.42% as of Q2 2026. The median for banks in the < $100M asset tier is 3.88% on net interest margin. Generations Community Bank sits 0.46 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.73% |
| Yield on loans | 6.14% |
| Yield on securities | 3.66% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 3.18% |
| Cost of interest-bearing liabilities | 3.18% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 0.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8K |
| Total interest expense | $21K |
| Interest expense on deposits | $21K |
Yields and Funding Costs trend
Last 2 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 |
|---|---|---|---|
| Q1 2026 | 1.26% | 0.00% | 1.26% |
| Q2 2026 | 3.73% | 2.34% | 3.42% |
Generations Community 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 Generations Community 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 Generations Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59365) · FFIEC NIC profile (RSSD 6058562)