The Genoa Banking Company: 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 0.21 percentage points to 3.97%. The Genoa Banking Company ranks 55th of 156 Ohio banks on net interest margin, in the upper half at 3.97% (Q2 2026). At 3.97%, The Genoa Banking Company's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.68% |
| Cost of borrowings | 2.78% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.73% | 1.74% | 3.05% |
| Q4 2023 | 4.93% | 2.00% | 3.00% |
| Q1 2024 | 5.00% | 2.16% | 2.90% |
| Q2 2024 | 5.14% | 2.22% | 3.02% |
| Q3 2024 | 5.39% | 2.21% | 3.24% |
| Q4 2024 | 5.41% | 2.22% | 3.26% |
| Q1 2025 | 5.49% | 2.18% | 3.34% |
| Q2 2025 | 5.57% | 2.23% | 3.38% |
| Q3 2025 | 5.69% | 2.28% | 3.47% |
| Q4 2025 | 5.81% | 2.19% | 3.69% |
| Q1 2026 | 5.75% | 2.06% | 3.76% |
| Q2 2026 | 5.96% | 2.05% | 3.97% |
The Genoa Banking Company 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 Genoa Banking Company, 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 Genoa Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2285) · FFIEC NIC profile (RSSD 504311)