Hearthside Bank Corporation: 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 standout move of Q2 2026 was in Cost of borrowings: 3.09 percentage points higher than in Q1 2026, at 3.09%. Within Kentucky, Hearthside Bank Corporation is 67th of 119 on net interest margin, 3.92% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Hearthside Bank Corporation reported 3.92% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 6.42% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.34% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $2.7M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.05% | 1.69% | 3.46% | 5.67% | 2.83% |
| Q4 2023 | 5.11% | 2.02% | 3.21% | 5.70% | 2.87% |
| Q1 2024 | 5.15% | 2.22% | 3.07% | 5.73% | 2.93% |
| Q2 2024 | 5.33% | 2.36% | 3.12% | 5.93% | 2.88% |
| Q3 2024 | 5.42% | 2.44% | 3.13% | 6.04% | 2.81% |
| Q4 2024 | 5.59% | 2.43% | 3.32% | 6.11% | 3.36% |
| Q1 2025 | 5.46% | 2.24% | 3.35% | 6.07% | 2.84% |
| Q2 2025 | 5.54% | 2.11% | 3.56% | 6.14% | 2.84% |
| Q3 2025 | 5.68% | 2.18% | 3.64% | 6.36% | 2.99% |
| Q4 2025 | 5.71% | 2.24% | 3.63% | 6.37% | 3.14% |
| Q1 2026 | 5.72% | 2.05% | 3.81% | 6.36% | 3.18% |
| Q2 2026 | 5.78% | 1.99% | 3.92% | 6.42% | 3.25% |
Hearthside Bank Corporation yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hearthside Bank Corporation, 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 Hearthside Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31236) · FFIEC NIC profile (RSSD 902672)