Home Bank SB: 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, Total interest expense fell 5.3% in Q2 2026 to $1.2M, the biggest move on this page. Within Indiana, Home Bank SB is 47th of 87 on net interest margin, 3.59% 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. Home Bank SB sits 0.36 points lower, at 3.59% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | 5.91% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.47% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 2.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.0M |
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 | 4.03% | 0.97% | 3.14% | 5.16% | 2.65% |
| Q4 2023 | 4.14% | 1.30% | 2.93% | 5.34% | 2.65% |
| Q1 2024 | 4.22% | 1.46% | 2.85% | 5.32% | 2.66% |
| Q2 2024 | 4.40% | 1.37% | 3.13% | 5.44% | 2.65% |
| Q3 2024 | 4.51% | 1.47% | 3.13% | 5.59% | 2.65% |
| Q4 2024 | 4.45% | 1.54% | 3.02% | 5.60% | 2.65% |
| Q1 2025 | 4.48% | 1.57% | 3.02% | 5.61% | 2.62% |
| Q2 2025 | 4.68% | 1.55% | 3.24% | 5.88% | 2.63% |
| Q3 2025 | 4.71% | 1.52% | 3.31% | 5.91% | 2.63% |
| Q4 2025 | 4.75% | 1.39% | 3.47% | 5.92% | 2.58% |
| Q1 2026 | 4.60% | 1.28% | 3.41% | 5.81% | 2.51% |
| Q2 2026 | 4.72% | 1.23% | 3.59% | 5.91% | 2.51% |
Home Bank SB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank SB, 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 Home Bank SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29881) · FFIEC NIC profile (RSSD 1015270)