Morgantown Bank & Trust Company, Incorporated: 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 3.0% in Q2 2026 to $2.5M, the biggest move on this page. Within Kentucky, Morgantown Bank & Trust Company, Incorporated is 84th of 119 on net interest margin, 3.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Morgantown Bank & Trust Company, Incorporated sits 0.32 points lower, at 3.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.68% |
| Yield on securities | 2.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.50% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.95% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.4M |
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 | 4.82% | 1.92% | 2.95% | 5.83% | 1.77% |
| Q4 2023 | 5.09% | 2.17% | 2.99% | 6.12% | 1.88% |
| Q1 2024 | 5.24% | 2.31% | 3.00% | 6.18% | 1.70% |
| Q2 2024 | 5.54% | 2.46% | 3.15% | 6.49% | 1.73% |
| Q3 2024 | 5.85% | 2.67% | 3.28% | 6.73% | 1.96% |
| Q4 2024 | 5.88% | 2.77% | 3.20% | 6.73% | 2.15% |
| Q1 2025 | 5.80% | 2.68% | 3.20% | 6.54% | 2.63% |
| Q2 2025 | 6.01% | 2.66% | 3.45% | 6.70% | 2.57% |
| Q3 2025 | 6.16% | 2.73% | 3.52% | 6.86% | 2.61% |
| Q4 2025 | 6.04% | 2.73% | 3.39% | 6.71% | 2.68% |
| Q1 2026 | 6.00% | 2.49% | 3.56% | 6.61% | 2.57% |
| Q2 2026 | 6.08% | 2.50% | 3.63% | 6.68% | 2.63% |
Morgantown Bank & Trust Company, Incorporated yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, 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 Morgantown Bank & Trust Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 275) · FFIEC NIC profile (RSSD 330949)