Kalamazoo County 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.
Compared with Q1 2026, Net interest margin rose 0.31 percentage points in Q2 2026 to 4.31%, the biggest move on this page. Within Michigan, Kalamazoo County State Bank is 29th of 72 on net interest margin, 4.31% as of Q2 2026, above the middle of the field. Kalamazoo County State Bank reported 4.31% on net interest margin for Q2 2026, 0.36 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.95% |
| Yield on loans | 7.04% |
| Yield on securities | 2.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.70% |
| Cost of interest-bearing deposits | 1.05% |
| Cost of interest-bearing liabilities | 1.08% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $186K |
| Interest expense on deposits | $181K |
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 | 3.77% | 0.53% | 3.28% | 5.65% | 1.80% |
| Q4 2023 | 3.87% | 0.49% | 3.42% | 5.80% | 1.87% |
| Q1 2024 | 3.94% | 0.51% | 3.46% | 5.94% | 1.82% |
| Q2 2024 | 4.20% | 0.44% | 3.80% | 6.28% | 1.87% |
| Q3 2024 | 4.25% | 0.42% | 3.86% | 6.35% | 1.86% |
| Q4 2024 | 4.31% | 0.54% | 3.82% | 6.45% | 1.87% |
| Q1 2025 | 4.17% | 0.58% | 3.63% | 6.29% | 1.93% |
| Q2 2025 | 4.37% | 0.67% | 3.75% | 6.52% | 2.06% |
| Q3 2025 | 4.52% | 0.67% | 3.90% | 6.84% | 2.15% |
| Q4 2025 | 4.57% | 0.65% | 3.97% | 6.70% | 2.14% |
| Q1 2026 | 4.60% | 0.65% | 4.00% | 6.79% | 2.24% |
| Q2 2026 | 4.95% | 0.70% | 4.31% | 7.04% | 2.59% |
Kalamazoo County 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 Kalamazoo County 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 Kalamazoo County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5892) · FFIEC NIC profile (RSSD 644141)