Lake City 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, Total interest expense rose 4.8% in Q2 2026 to $36.8M, the biggest move on this page. Lake City Bank ranks 65th of 87 Indiana banks on net interest margin, in the lower half at 3.41% (Q2 2026). Lake City Bank reported 3.41% on net interest margin for Q2 2026, 0.30 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.52% |
| Yield on loans | 6.25% |
| Yield on securities | 2.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.41% |
| Yield to cost spread | 2.59% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $86.3M |
| Total interest expense | $36.8M |
| Interest expense on deposits | $36.4M |
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 | 5.62% | 2.79% | 3.11% | 6.61% | 2.36% |
| Q4 2023 | 5.71% | 2.92% | 3.10% | 6.71% | 2.42% |
| Q1 2024 | 5.73% | 2.98% | 3.04% | 6.69% | 2.39% |
| Q2 2024 | 5.80% | 3.08% | 3.03% | 6.75% | 2.43% |
| Q3 2024 | 5.87% | 3.10% | 3.09% | 6.83% | 2.40% |
| Q4 2024 | 5.66% | 2.76% | 3.17% | 6.58% | 2.44% |
| Q1 2025 | 5.51% | 2.49% | 3.25% | 6.33% | 2.53% |
| Q2 2025 | 5.62% | 2.56% | 3.31% | 6.48% | 2.55% |
| Q3 2025 | 5.72% | 2.55% | 3.42% | 6.60% | 2.57% |
| Q4 2025 | 5.59% | 2.39% | 3.44% | 6.42% | 2.65% |
| Q1 2026 | 5.42% | 2.24% | 3.39% | 6.14% | 2.71% |
| Q2 2026 | 5.52% | 2.28% | 3.41% | 6.25% | 2.73% |
Lake City 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 Lake City 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 Lake City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13102) · FFIEC NIC profile (RSSD 874845)