Hometown 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 0.26 percentage points to 3.66%. Within Ohio, Hometown Bank is 82nd of 156 on net interest margin, 3.66% 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. Hometown Bank sits 0.29 points lower, at 3.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.28% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.70% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | 2.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.66% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $970K |
| Interest expense on deposits | $817K |
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 |
|---|---|---|---|
| Q3 2023 | 4.74% | 1.71% | 3.07% |
| Q4 2023 | 4.61% | 1.87% | 2.78% |
| Q1 2024 | 4.81% | 1.97% | 2.91% |
| Q2 2024 | 4.84% | 1.96% | 2.95% |
| Q3 2024 | 5.03% | 1.88% | 3.19% |
| Q4 2024 | 4.95% | 1.80% | 3.21% |
| Q1 2025 | 4.90% | 1.81% | 3.13% |
| Q2 2025 | 5.11% | 1.80% | 3.38% |
| Q3 2025 | 4.97% | 1.77% | 3.26% |
| Q4 2025 | 5.33% | 1.63% | 3.74% |
| Q1 2026 | 5.01% | 1.66% | 3.40% |
| Q2 2026 | 5.28% | 1.70% | 3.66% |
Hometown 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 Hometown 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 Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30219) · FFIEC NIC profile (RSSD 940674)