The Lincoln National Bank of Hodgenville: 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.
In Q2 2026, Net interest margin edged up by 0.10 percentage points, from 4.46% to 4.56%, the largest move among the key lines here. Within Kentucky, The Lincoln National Bank of Hodgenville is 20th of 119 on net interest margin, 4.56% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Lincoln National Bank of Hodgenville sits 0.61 points higher, at 4.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | 6.41% |
| Yield on securities | 3.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.42% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.96% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.99% | 1.24% | 3.87% | 5.56% | 2.88% |
| Q4 2023 | 5.24% | 1.36% | 4.03% | 5.77% | 2.90% |
| Q1 2024 | 5.29% | 1.52% | 3.93% | 5.86% | 2.90% |
| Q2 2024 | 5.46% | 1.49% | 4.14% | 5.98% | 2.92% |
| Q3 2024 | 5.65% | 1.60% | 4.24% | 6.22% | 2.94% |
| Q4 2024 | 5.76% | 1.65% | 4.31% | 6.33% | 2.95% |
| Q1 2025 | 5.52% | 1.58% | 4.12% | 6.12% | 2.94% |
| Q2 2025 | 5.72% | 1.59% | 4.32% | 6.32% | 2.97% |
| Q3 2025 | 5.81% | 1.63% | 4.38% | 6.40% | 3.02% |
| Q4 2025 | 5.95% | 1.55% | 4.59% | 6.54% | 3.07% |
| Q1 2026 | 5.73% | 1.44% | 4.46% | 6.32% | 3.07% |
| Q2 2026 | 5.81% | 1.42% | 4.56% | 6.41% | 3.07% |
The Lincoln National Bank of Hodgenville 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 Lincoln National Bank of Hodgenville, 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 Lincoln National Bank of Hodgenville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2750) · FFIEC NIC profile (RSSD 553944)