Monticello Banking Company: 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.
Total interest expense dropped 10.2% in Q2 2026, from $4.7M to $4.2M. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Monticello Banking Company is 79th of 119 on net interest margin, 3.71% as of Q2 2026, below the middle of the field. At 3.71%, Monticello Banking Company's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 6.20% |
| Yield on securities | 2.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 3.76% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.1M |
| Total interest expense | $4.2M |
| Interest expense on deposits | $3.9M |
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 | 4.59% | 1.89% | 2.74% | 5.26% | 2.58% |
| Q4 2023 | 4.78% | 2.13% | 2.70% | 5.46% | 2.65% |
| Q1 2024 | 4.76% | 2.22% | 2.60% | 5.42% | 2.67% |
| Q2 2024 | 4.85% | 2.26% | 2.68% | 5.54% | 2.67% |
| Q3 2024 | 5.06% | 2.27% | 2.88% | 5.84% | 2.68% |
| Q4 2024 | 5.09% | 2.11% | 3.05% | 5.88% | 2.68% |
| Q1 2025 | 5.13% | 2.02% | 3.18% | 5.94% | 2.66% |
| Q2 2025 | 5.26% | 2.03% | 3.32% | 6.11% | 2.63% |
| Q3 2025 | 5.36% | 2.01% | 3.42% | 6.23% | 2.57% |
| Q4 2025 | 5.39% | 1.93% | 3.53% | 6.27% | 2.51% |
| Q1 2026 | 5.29% | 1.81% | 3.55% | 6.19% | 2.50% |
| Q2 2026 | 5.34% | 1.69% | 3.71% | 6.20% | 2.61% |
Monticello Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Monticello Banking Company, 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 Monticello Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)