The Home National Bank of Thorntown: 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.
In Q2 2026, Net interest margin edged down by 0.10 percentage points, from 4.22% to 4.12%, the largest move among the key lines here. Within Indiana, The Home National Bank of Thorntown is 24th of 87 on net interest margin, 4.12% as of Q2 2026, above the middle of the field. The Home National Bank of Thorntown reported 4.12% on net interest margin for Q2 2026, 0.17 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 6.58% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.97% |
| Cost of interest-bearing liabilities | 1.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.12% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.1M |
| Total interest expense | $636K |
| Interest expense on deposits | $636K |
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 | 4.17% | 1.17% | 3.06% | 6.30% | 1.43% |
| Q4 2023 | 4.49% | 1.49% | 3.11% | 6.51% | 1.56% |
| Q1 2024 | 4.64% | 1.67% | 3.05% | 6.46% | 1.55% |
| Q2 2024 | 4.99% | 1.75% | 3.31% | 6.57% | 1.66% |
| Q3 2024 | 5.39% | 1.74% | 3.74% | 6.65% | 1.90% |
| Q4 2024 | 5.45% | 1.79% | 3.76% | 6.64% | 2.01% |
| Q1 2025 | 5.38% | 1.72% | 3.75% | 6.56% | 2.06% |
| Q2 2025 | 5.44% | 1.67% | 3.86% | 6.55% | 2.26% |
| Q3 2025 | 5.58% | 1.69% | 3.98% | 6.65% | 2.48% |
| Q4 2025 | 5.69% | 1.65% | 4.13% | 6.67% | 2.61% |
| Q1 2026 | 5.65% | 1.50% | 4.22% | 6.52% | 2.62% |
| Q2 2026 | 5.58% | 1.55% | 4.12% | 6.58% | 2.54% |
The Home National Bank of Thorntown 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 Home National Bank of Thorntown, 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 Home National Bank of Thorntown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14225) · FFIEC NIC profile (RSSD 696645)