Independent Correspondent Bankers' Bank, 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.
The standout move of Q2 2026 was in Cost of borrowings: 0.93 percentage points higher than in Q1 2026, at 4.39%. Within Kentucky, Independent Correspondent Bankers' Bank, Inc. is 106th of 119 on net interest margin, 3.24% 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. Independent Correspondent Bankers' Bank, Inc. sits 0.71 points lower, at 3.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 6.49% |
| Yield on securities | 4.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 4.24% |
| Cost of interest-bearing liabilities | 4.50% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.24% |
| Yield to cost spread | 0.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $845K |
| Interest expense on deposits | $452K |
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 | 5.36% | 3.37% | 2.22% | 6.02% | 1.83% |
| Q4 2023 | 5.86% | 2.98% | 3.22% | 6.37% | 0.80% |
| Q1 2024 | 5.66% | 3.48% | 2.50% | 6.10% | 1.66% |
| Q2 2024 | 6.20% | 3.31% | 3.23% | 6.72% | 3.09% |
| Q3 2024 | 5.84% | 4.13% | 2.50% | 6.55% | -1.76% |
| Q4 2024 | 5.78% | 3.26% | 3.08% | 6.53% | 1.37% |
| Q1 2025 | 5.37% | 2.90% | 2.78% | 6.37% | 4.83% |
| Q2 2025 | 5.82% | 2.93% | 3.28% | 6.49% | 4.84% |
| Q3 2025 | 5.75% | 3.00% | 3.08% | 6.76% | 4.23% |
| Q4 2025 | 5.59% | 2.73% | 3.16% | 6.54% | 4.95% |
| Q1 2026 | 5.01% | 2.40% | 2.79% | 6.33% | 4.58% |
| Q2 2026 | 5.38% | 2.52% | 3.24% | 6.49% | 4.45% |
Independent Correspondent Bankers' Bank, 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 Independent Correspondent Bankers' Bank, 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 Independent Correspondent Bankers' Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27219) · FFIEC NIC profile (RSSD 1187551)