Hoosier Heartland State 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 standout move of Q2 2026 was in Cost of borrowings: 2.58 percentage points higher than in Q1 2026, at 6.50%. Within Indiana, Hoosier Heartland State Bank is 17th of 87 on net interest margin, 4.20% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Hoosier Heartland State Bank sits 0.25 points higher, at 4.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.96% |
| Yield on loans | 6.79% |
| Yield on securities | 2.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | 6.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.33% | 1.98% | 3.48% | 6.38% | 2.59% |
| Q4 2023 | 5.22% | 2.32% | 3.15% | 6.49% | 2.21% |
| Q1 2024 | 5.37% | 2.30% | 3.29% | 6.64% | 2.21% |
| Q2 2024 | 5.63% | 2.34% | 3.40% | 6.75% | 2.47% |
| Q3 2024 | 5.76% | 2.52% | 3.50% | 6.92% | 2.43% |
| Q4 2024 | 5.79% | 2.16% | 3.75% | 6.92% | 2.39% |
| Q1 2025 | 5.65% | 2.01% | 3.76% | 6.69% | 2.42% |
| Q2 2025 | 5.77% | 2.01% | 3.83% | 6.84% | 2.39% |
| Q3 2025 | 6.00% | 2.11% | 4.07% | 7.01% | 2.37% |
| Q4 2025 | 5.90% | 2.02% | 4.03% | 6.84% | 2.29% |
| Q1 2026 | 5.88% | 1.93% | 4.11% | 6.79% | 2.24% |
| Q2 2026 | 5.96% | 1.81% | 4.20% | 6.79% | 2.24% |
Hoosier Heartland State 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 Hoosier Heartland State 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 Hoosier Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15566) · FFIEC NIC profile (RSSD 157744)