Highlands Community 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.
Cost of borrowings dropped 307.69 percentage points in Q2 2026, from 307.69% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Highlands Community Bank is 45th of 56 on net interest margin, 3.32% 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. Highlands Community Bank sits 0.63 points lower, at 3.32% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.64% |
| Yield on loans | 6.47% |
| Yield on securities | 3.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.32% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $596K |
| Interest expense on deposits | $596K |
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% | 1.29% | 3.32% | 6.34% | 2.38% |
| Q4 2023 | 4.71% | 1.43% | 3.38% | 6.61% | 2.38% |
| Q1 2024 | 4.56% | 1.71% | 2.98% | 6.33% | 2.34% |
| Q2 2024 | 4.57% | 1.87% | 2.84% | 6.22% | 2.41% |
| Q3 2024 | 4.63% | 1.90% | 2.86% | 6.37% | 2.36% |
| Q4 2024 | 4.57% | 1.75% | 2.94% | 6.23% | 2.54% |
| Q1 2025 | 4.51% | 1.50% | 3.10% | 6.12% | 2.59% |
| Q2 2025 | 4.51% | 1.38% | 3.23% | 6.07% | 2.67% |
| Q3 2025 | 4.54% | 1.40% | 3.26% | 6.17% | 2.80% |
| Q4 2025 | 4.53% | 1.44% | 3.20% | 6.19% | 2.95% |
| Q1 2026 | 4.57% | 1.48% | 3.21% | 6.32% | 3.04% |
| Q2 2026 | 4.64% | 1.42% | 3.32% | 6.47% | 3.08% |
Highlands Community 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 Highlands Community 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 Highlands Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57420) · FFIEC NIC profile (RSSD 3125315)