The Hocking Valley 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 0.20 percentage points to 3.86%. The Hocking Valley Bank ranks 64th of 156 Ohio banks on net interest margin, in the upper half at 3.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Hocking Valley Bank reported 3.86% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.87% |
| Yield on loans | 6.15% |
| Yield on securities | 2.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.56% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | 0.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $869K |
| Interest expense on deposits | $868K |
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 | 3.55% | 0.83% | 2.78% | 4.94% | 1.22% |
| Q4 2023 | 3.75% | 0.92% | 2.91% | 5.16% | 1.20% |
| Q1 2024 | 3.78% | 1.15% | 2.72% | 5.16% | 1.18% |
| Q2 2024 | 3.89% | 1.12% | 2.84% | 5.32% | 1.19% |
| Q3 2024 | 4.07% | 1.09% | 3.07% | 5.55% | 1.21% |
| Q4 2024 | 4.19% | 1.02% | 3.25% | 5.58% | 1.32% |
| Q1 2025 | 4.24% | 0.98% | 3.33% | 5.70% | 1.36% |
| Q2 2025 | 4.43% | 1.04% | 3.45% | 5.77% | 1.48% |
| Q3 2025 | 4.65% | 1.12% | 3.63% | 6.15% | 1.73% |
| Q4 2025 | 4.74% | 1.16% | 3.67% | 6.13% | 1.98% |
| Q1 2026 | 4.68% | 1.10% | 3.66% | 6.14% | 2.18% |
| Q2 2026 | 4.87% | 1.10% | 3.86% | 6.15% | 2.48% |
The Hocking Valley 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 Hocking Valley 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 Hocking Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18858) · FFIEC NIC profile (RSSD 230610)