Middletown Valley 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.
Yield on securities rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 3.09% against 2.78%. It was the largest change among the key lines on this page. Middletown Valley Bank ranks 12th of 27 Maryland banks on net interest margin, in the upper half at 3.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Middletown Valley Bank sits 0.18 points higher, at 3.89% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.89% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.2M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $4.5M |
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 | 4.68% | 2.05% | 2.76% |
| Q4 2023 | 4.87% | 2.13% | 2.86% |
| Q1 2024 | 4.99% | 2.21% | 2.90% |
| Q2 2024 | 5.11% | 2.28% | 2.99% |
| Q3 2024 | 5.26% | 1.93% | 3.06% |
| Q4 2024 | 5.21% | 2.10% | 3.27% |
| Q1 2025 | 5.25% | 1.94% | 3.45% |
| Q2 2025 | 5.33% | 2.00% | 3.48% |
| Q3 2025 | 5.44% | 2.06% | 3.53% |
| Q4 2025 | 5.50% | 1.97% | 3.69% |
| Q1 2026 | 5.44% | 1.83% | 3.74% |
| Q2 2026 | 5.57% | 1.81% | 3.89% |
Middletown Valley 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 Middletown Valley 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 Middletown Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14017) · FFIEC NIC profile (RSSD 41825)