Kentland 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.
Net interest margin rose 0.30 percentage points from Q1 2026 to Q2 2026, ending at 4.62% against 4.32%. It was the largest change among the key lines on this page. Among 87 Indiana banks, Kentland Bank sits 4th from the top on net interest margin, 4.62% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Kentland Bank sits 0.67 points higher, at 4.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 7.47% |
| Yield on securities | 3.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 3.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 3.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.2M |
| Total interest expense | $1.8M |
| 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 | 5.20% | 1.14% | 4.06% | 6.92% | 2.81% |
| Q4 2023 | 5.47% | 1.34% | 4.15% | 7.20% | 2.74% |
| Q1 2024 | 5.47% | 1.65% | 3.88% | 7.22% | 2.90% |
| Q2 2024 | 5.59% | 2.03% | 3.75% | 7.35% | 2.88% |
| Q3 2024 | 5.98% | 2.29% | 3.91% | 7.67% | 2.97% |
| Q4 2024 | 5.93% | 2.15% | 3.89% | 7.45% | 2.99% |
| Q1 2025 | 5.81% | 2.02% | 3.96% | 7.29% | 3.00% |
| Q2 2025 | 6.06% | 2.10% | 4.15% | 7.48% | 3.07% |
| Q3 2025 | 6.33% | 2.09% | 4.41% | 7.69% | 3.16% |
| Q4 2025 | 6.25% | 2.08% | 4.33% | 7.43% | 3.39% |
| Q1 2026 | 6.17% | 2.00% | 4.32% | 7.22% | 3.62% |
| Q2 2026 | 6.48% | 1.95% | 4.62% | 7.47% | 3.87% |
Kentland 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 Kentland 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 Kentland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13843) · FFIEC NIC profile (RSSD 367543)