The Hamler 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 2.94%, the biggest move on this page. Within Ohio, The Hamler State Bank is 131st of 156 on net interest margin, 2.94% as of Q2 2026, below the middle of the field. The Hamler State Bank reported 2.94% on net interest margin for Q2 2026, 1.01 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 5.74% |
| Yield on securities | 2.93% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 2.65% |
| Cost of interest-bearing liabilities | 2.65% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.94% |
| Yield to cost spread | 2.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $631K |
| Interest expense on deposits | $631K |
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 | 4.53% | 1.68% | 3.04% | 5.01% | 2.04% |
| Q4 2023 | 4.72% | 2.11% | 2.86% | 5.13% | 2.06% |
| Q1 2024 | 4.46% | 2.45% | 2.27% | 4.74% | 2.10% |
| Q2 2024 | 4.61% | 2.59% | 2.35% | 5.05% | 2.10% |
| Q3 2024 | 4.79% | 2.66% | 2.47% | 5.27% | 2.11% |
| Q4 2024 | 4.88% | 2.61% | 2.56% | 5.40% | 2.15% |
| Q1 2025 | 4.73% | 2.55% | 2.46% | 5.29% | 2.12% |
| Q2 2025 | 4.96% | 2.51% | 2.72% | 5.48% | 2.21% |
| Q3 2025 | 4.92% | 2.45% | 2.79% | 5.63% | 2.39% |
| Q4 2025 | 4.93% | 2.40% | 2.87% | 5.70% | 2.63% |
| Q1 2026 | 4.75% | 2.32% | 2.74% | 5.58% | 2.72% |
| Q2 2026 | 4.95% | 2.34% | 2.94% | 5.74% | 2.93% |
The Hamler 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 The Hamler 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 The Hamler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14920) · FFIEC NIC profile (RSSD 887827)