Main Street Bank Corp.: 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.45 percentage points to 6.18%. Main Street Bank Corp. ranks 64th of 156 Ohio banks on net interest margin, in the upper half at 3.86% (Q2 2026). Main Street Bank Corp. reported 3.86% on net interest margin for Q2 2026, 0.15 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.09% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.71% |
| Cost of borrowings | 6.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.86% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $20.9M |
| Total interest expense | $8.4M |
| Interest expense on deposits | $8.3M |
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 |
|---|---|---|---|
| Q3 2023 | 4.86% | 1.78% | 2.92% |
| Q4 2023 | 5.02% | 2.06% | 2.78% |
| Q1 2024 | 5.01% | 2.20% | 2.64% |
| Q2 2024 | 5.33% | 2.56% | 2.79% |
| Q3 2024 | 5.86% | 2.24% | 3.46% |
| Q4 2024 | 5.70% | 2.26% | 3.32% |
| Q1 2025 | 5.76% | 2.11% | 3.50% |
| Q2 2025 | 6.07% | 2.18% | 3.74% |
| Q3 2025 | 6.10% | 2.22% | 3.76% |
| Q4 2025 | 6.23% | 2.18% | 3.96% |
| Q1 2026 | 6.05% | 2.17% | 3.83% |
| Q2 2026 | 6.09% | 2.19% | 3.86% |
Main Street Bank Corp. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Main Street Bank Corp., 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 Main Street Bank Corp. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29847) · FFIEC NIC profile (RSSD 985479)