Katahdin Trust Company: 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 Total interest expense: 9.9% higher than in Q1 2026, at $4.4M. Within Maine, Katahdin Trust Company is 4th of 22 on net interest margin, 3.89% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Katahdin Trust Company sits 0.18 points higher, at 3.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.50% |
| Yield on loans | 5.99% |
| Yield on securities | 3.22% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.76% |
| Cost of interest-bearing deposits | 2.14% |
| Cost of interest-bearing liabilities | 2.18% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.5M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.0M |
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 | 5.07% | 1.21% | 3.76% | 5.64% | 2.61% |
| Q4 2023 | 5.26% | 1.35% | 3.82% | 5.80% | 2.83% |
| Q1 2024 | 5.20% | 1.54% | 3.59% | 5.74% | 2.82% |
| Q2 2024 | 5.36% | 1.79% | 3.56% | 5.90% | 2.87% |
| Q3 2024 | 5.49% | 1.84% | 3.60% | 6.05% | 2.93% |
| Q4 2024 | 5.51% | 1.73% | 3.75% | 6.09% | 2.99% |
| Q1 2025 | 5.32% | 1.63% | 3.64% | 5.85% | 2.89% |
| Q2 2025 | 5.41% | 1.61% | 3.73% | 5.96% | 3.00% |
| Q3 2025 | 5.55% | 1.59% | 3.92% | 6.11% | 3.18% |
| Q4 2025 | 5.46% | 1.65% | 3.90% | 6.03% | 3.24% |
| Q1 2026 | 5.40% | 1.59% | 3.89% | 5.90% | 3.18% |
| Q2 2026 | 5.50% | 1.76% | 3.89% | 5.99% | 3.22% |
Katahdin Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Katahdin Trust Company, 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 Katahdin Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12874) · FFIEC NIC profile (RSSD 327305)