Grant County State 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 Net interest margin, which rose 0.18 percentage points to 4.11%. Grant County State Bank ranks 25th of 87 Indiana banks on net interest margin, in the upper half at 4.11% (Q2 2026). Grant County State Bank reported 4.11% on net interest margin for Q2 2026, 0.16 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.21% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.49% |
| Cost of interest-bearing deposits | 4.05% |
| Cost of interest-bearing liabilities | 3.95% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.7M |
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 | 6.53% | 2.19% | 4.59% |
| Q4 2023 | 6.49% | 2.62% | 4.19% |
| Q1 2024 | 7.09% | 2.91% | 4.51% |
| Q2 2024 | 6.99% | 3.02% | 4.34% |
| Q3 2024 | 7.10% | 3.19% | 4.28% |
| Q4 2024 | 7.17% | 3.26% | 4.32% |
| Q1 2025 | 6.99% | 3.25% | 4.13% |
| Q2 2025 | 7.31% | 3.43% | 4.30% |
| Q3 2025 | 7.38% | 3.53% | 4.25% |
| Q4 2025 | 7.30% | 3.54% | 4.15% |
| Q1 2026 | 7.02% | 3.44% | 3.93% |
| Q2 2026 | 7.21% | 3.49% | 4.11% |
Grant County State 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 Grant County State 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 Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15687) · FFIEC NIC profile (RSSD 933340)