The Killbuck Savings Bank 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.
Compared with Q1 2026, Net interest margin rose 0.14 percentage points in Q2 2026 to 3.56%, the biggest move on this page. The Killbuck Savings Bank Company ranks 92nd of 156 Ohio banks on net interest margin, in the lower half at 3.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Killbuck Savings Bank Company sits 0.39 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.29% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 4.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.7M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $2.7M |
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 | 4.29% | 1.48% | 2.99% | 5.73% | 1.80% |
| Q4 2023 | 4.41% | 1.61% | 3.07% | 5.80% | 1.94% |
| Q1 2024 | 4.56% | 1.70% | 3.09% | 5.91% | 2.05% |
| Q2 2024 | 4.63% | 1.98% | 2.96% | 6.10% | 1.97% |
| Q3 2024 | 4.82% | 2.06% | 3.12% | 6.26% | 2.18% |
| Q4 2024 | 4.72% | 2.03% | 3.05% | 6.21% | 2.02% |
| Q1 2025 | 4.71% | 1.94% | 3.09% | 6.13% | 2.11% |
| Q2 2025 | 4.86% | 1.97% | 3.23% | 6.22% | 2.23% |
| Q3 2025 | 4.95% | 1.90% | 3.41% | 6.33% | 2.25% |
| Q4 2025 | 4.98% | 1.86% | 3.50% | 6.30% | 2.29% |
| Q1 2026 | 4.96% | 1.88% | 3.42% | 6.21% | 2.32% |
| Q2 2026 | 5.10% | 1.89% | 3.56% | 6.29% | 2.39% |
The Killbuck Savings Bank 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 The Killbuck Savings Bank 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 The Killbuck Savings Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11860) · FFIEC NIC profile (RSSD 1017425)