Kingston National 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.
Cost of borrowings climbed 2.33 percentage points in Q2 2026, from 12.38% to 14.71%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Kingston National Bank is 114th of 156 on net interest margin, 3.20% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Kingston National Bank sits 0.75 points lower, at 3.20% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 14.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.20% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 |
|---|---|---|---|
| Q3 2023 | 4.41% | 1.79% | 2.72% |
| Q4 2023 | 4.53% | 2.05% | 2.58% |
| Q1 2024 | 4.64% | 2.16% | 2.58% |
| Q2 2024 | 4.83% | 2.46% | 2.49% |
| Q3 2024 | 4.85% | 2.45% | 2.51% |
| Q4 2024 | 4.92% | 2.38% | 2.67% |
| Q1 2025 | 4.82% | 2.24% | 2.69% |
| Q2 2025 | 5.09% | 1.90% | 3.29% |
| Q3 2025 | 5.08% | 1.97% | 3.22% |
| Q4 2025 | 5.08% | 1.88% | 3.29% |
| Q1 2026 | 5.03% | 1.78% | 3.34% |
| Q2 2026 | 4.90% | 1.83% | 3.20% |
Kingston National 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 Kingston National 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 Kingston National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6616) · FFIEC NIC profile (RSSD 966722)