MT. Victory State 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.15 percentage points to 4.93%. Among 156 Ohio banks, MT. Victory State Bank sits 7th from the top on net interest margin, 4.93% as of Q2 2026. The median for banks in the < $100M asset tier is 3.89% on net interest margin. MT. Victory State Bank sits 1.04 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.29% |
| Yield on loans | 7.86% |
| Yield on securities | 2.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 2.17% |
| Cost of interest-bearing liabilities | 2.17% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $280K |
| Total interest expense | $76K |
| Interest expense on deposits | $76K |
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 | 4.70% | 0.86% | 3.87% | 6.38% | 1.86% |
| Q4 2023 | 5.13% | 0.95% | 4.22% | 6.92% | 1.79% |
| Q1 2024 | 5.34% | 1.13% | 4.26% | 6.99% | 1.88% |
| Q2 2024 | 5.50% | 1.21% | 4.35% | 7.25% | 1.65% |
| Q3 2024 | 5.94% | 1.19% | 4.75% | 7.26% | 1.91% |
| Q4 2024 | 5.77% | 1.19% | 4.65% | 7.49% | 2.19% |
| Q1 2025 | 6.03% | 1.12% | 4.96% | 7.76% | 2.31% |
| Q2 2025 | 6.19% | 1.29% | 4.96% | 7.92% | 2.22% |
| Q3 2025 | 6.15% | 1.31% | 4.90% | 7.77% | 2.44% |
| Q4 2025 | 6.35% | 1.35% | 5.09% | 8.08% | 2.64% |
| Q1 2026 | 6.07% | 1.41% | 4.78% | 7.86% | 2.46% |
| Q2 2026 | 6.29% | 1.43% | 4.93% | 7.86% | 2.49% |
MT. Victory State 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 MT. Victory State 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 MT. Victory State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9438) · FFIEC NIC profile (RSSD 274025)