Home National 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.
Yield on loans rose 0.44 percentage points from Q1 2026 to Q2 2026, ending at 8.63% against 8.19%. It was the largest change among the key lines on this page. Among 156 Ohio banks, Home National Bank sits 8th from the top on net interest margin, 4.87% as of Q2 2026. Home National Bank reported 4.87% on net interest margin for Q2 2026, 0.98 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.57% |
| Yield on loans | 8.63% |
| Yield on securities | 2.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.34% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.87% |
| Yield to cost spread | 4.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $376K |
| Interest expense on deposits | $358K |
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 | 5.67% | 1.55% | 4.24% | 7.71% | 1.76% |
| Q4 2023 | 5.86% | 1.89% | 4.16% | 7.84% | 1.86% |
| Q1 2024 | 5.89% | 2.05% | 4.03% | 7.81% | 1.91% |
| Q2 2024 | 5.91% | 2.18% | 3.96% | 7.82% | 1.87% |
| Q3 2024 | 6.29% | 2.21% | 4.25% | 8.45% | 1.92% |
| Q4 2024 | 6.09% | 2.05% | 4.22% | 8.13% | 2.00% |
| Q1 2025 | 6.12% | 1.99% | 4.28% | 8.08% | 1.94% |
| Q2 2025 | 6.29% | 1.90% | 4.52% | 8.30% | 1.97% |
| Q3 2025 | 6.69% | 1.84% | 4.94% | 8.91% | 1.95% |
| Q4 2025 | 6.53% | 1.84% | 4.76% | 8.50% | 2.09% |
| Q1 2026 | 6.38% | 1.78% | 4.69% | 8.19% | 2.33% |
| Q2 2026 | 6.57% | 1.80% | 4.87% | 8.63% | 2.34% |
Home National 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 Home National 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 Home National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6680) · FFIEC NIC profile (RSSD 79127)