Jackson County 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 biggest quarter-over-quarter change on this page was a small one: Cost of funds edged up 0.06 percentage points between Q1 2026 and Q2 2026, to 0.89%. Jackson County Bank ranks 21st of 119 Kentucky banks on net interest margin, in the upper half at 4.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Jackson County Bank sits 0.56 points higher, at 4.50% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 7.19% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | 0.15% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $274K |
| Interest expense on deposits | $270K |
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 | 4.65% | 0.56% | 4.22% | 6.52% | 2.68% |
| Q4 2023 | 4.81% | 0.59% | 4.35% | 6.53% | 2.81% |
| Q1 2024 | 4.82% | 0.63% | 4.34% | 6.62% | 2.96% |
| Q2 2024 | 5.10% | 0.64% | 4.61% | 6.83% | 3.07% |
| Q3 2024 | 4.96% | 0.81% | 4.35% | 6.93% | 2.99% |
| Q4 2024 | 4.97% | 0.80% | 4.37% | 6.97% | 3.01% |
| Q1 2025 | 4.87% | 0.79% | 4.27% | 6.97% | 3.15% |
| Q2 2025 | 5.07% | 0.81% | 4.46% | 7.09% | 3.36% |
| Q3 2025 | 5.08% | 0.80% | 4.48% | 7.16% | 3.42% |
| Q4 2025 | 5.13% | 0.82% | 4.53% | 7.23% | 3.44% |
| Q1 2026 | 5.09% | 0.83% | 4.48% | 7.13% | 3.48% |
| Q2 2026 | 5.15% | 0.89% | 4.50% | 7.19% | 3.53% |
Jackson County 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 Jackson County 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 Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 291) · FFIEC NIC profile (RSSD 1016718)