Heritage Bank, Inc.: 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: 0.96 percentage points higher than in Q1 2026, at 3.49%. Within Kentucky, Heritage Bank, Inc. is 81st of 119 on net interest margin, 3.69% as of Q2 2026, below the middle of the field. At 3.69%, Heritage Bank, Inc.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.79% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.93% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 3.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.4M |
| Total interest expense | $8.8M |
| Interest expense on deposits | $8.7M |
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 | 4.87% | 2.22% | 2.74% | 5.88% | 3.06% |
| Q4 2023 | 4.90% | 2.54% | 2.53% | 5.99% | 3.13% |
| Q1 2024 | 4.86% | 2.69% | 2.34% | 5.97% | 3.15% |
| Q2 2024 | 5.12% | 2.67% | 2.57% | 6.15% | 3.37% |
| Q3 2024 | 5.43% | 2.42% | 2.87% | 6.47% | 3.28% |
| Q4 2024 | 5.21% | 2.16% | 2.94% | 6.40% | 3.37% |
| Q1 2025 | 5.39% | 2.07% | 3.26% | 6.46% | 3.34% |
| Q2 2025 | 5.55% | 2.20% | 3.43% | 6.63% | 3.37% |
| Q3 2025 | 5.73% | 2.24% | 3.57% | 6.86% | 3.35% |
| Q4 2025 | 5.65% | 2.15% | 3.59% | 6.94% | 3.12% |
| Q1 2026 | 5.48% | 2.01% | 3.51% | 6.66% | 3.25% |
| Q2 2026 | 5.54% | 1.93% | 3.69% | 6.79% | 3.14% |
Heritage Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, Inc., 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 Heritage Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)