Hometown Bank of Corbin Inc.: 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.
Cost of borrowings dropped 1.44 percentage points in Q2 2026, from 1.89% to 0.45%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Hometown Bank of Corbin Inc. is 69th of 119 on net interest margin, 3.85% 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 of Corbin Inc. reported 3.85% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.04% |
| Yield on loans | 6.32% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.65% |
| Cost of interest-bearing liabilities | 1.58% |
| Cost of borrowings | 0.45% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.85% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $856K |
| Interest expense on deposits | $845K |
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 | 4.12% | 1.03% | 2.90% | 5.26% | 2.38% |
| Q4 2023 | 4.32% | 1.19% | 2.97% | 5.50% | 2.38% |
| Q1 2024 | 4.37% | 1.54% | 2.89% | 5.62% | 2.34% |
| Q2 2024 | 4.51% | 1.68% | 2.88% | 5.71% | 2.31% |
| Q3 2024 | 4.67% | 1.75% | 2.95% | 5.91% | 2.51% |
| Q4 2024 | 4.71% | 1.69% | 3.06% | 5.94% | 2.66% |
| Q1 2025 | 4.64% | 1.53% | 3.14% | 5.90% | 2.63% |
| Q2 2025 | 4.75% | 1.62% | 3.17% | 6.10% | 2.58% |
| Q3 2025 | 4.81% | 1.50% | 3.35% | 6.20% | 2.61% |
| Q4 2025 | 4.95% | 1.30% | 3.68% | 6.24% | 2.59% |
| Q1 2026 | 4.86% | 1.31% | 3.57% | 6.10% | 2.58% |
| Q2 2026 | 5.04% | 1.23% | 3.85% | 6.32% | 2.61% |
Hometown Bank of Corbin Inc. 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 of Corbin Inc., 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 of Corbin Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35455) · FFIEC NIC profile (RSSD 2897633)