The Napoleon 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.
Yield on loans fell 0.31 percentage points from Q1 2026 to Q2 2026, ending at 6.60% against 6.91%. It was the largest change among the key lines on this page. Among 87 Indiana banks, The Napoleon State Bank sits 8th from the top on net interest margin, 4.38% as of Q2 2026. The Napoleon State Bank reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | 6.60% |
| Yield on securities | 3.74% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.9M |
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 | 5.49% | 1.12% | 4.39% | 6.18% | 2.39% |
| Q4 2023 | 5.74% | 1.39% | 4.42% | 6.43% | 2.51% |
| Q1 2024 | 5.87% | 1.59% | 4.36% | 6.60% | 2.57% |
| Q2 2024 | 6.04% | 1.79% | 4.27% | 6.82% | 2.78% |
| Q3 2024 | 6.20% | 1.90% | 4.33% | 7.00% | 3.04% |
| Q4 2024 | 6.24% | 1.91% | 4.37% | 7.12% | 3.25% |
| Q1 2025 | 6.07% | 1.80% | 4.25% | 6.97% | 3.35% |
| Q2 2025 | 6.17% | 1.77% | 4.41% | 7.07% | 3.55% |
| Q3 2025 | 6.25% | 1.80% | 4.48% | 7.17% | 3.62% |
| Q4 2025 | 6.26% | 1.78% | 4.56% | 7.16% | 3.61% |
| Q1 2026 | 6.12% | 1.64% | 4.52% | 6.91% | 3.67% |
| Q2 2026 | 5.94% | 1.61% | 4.38% | 6.60% | 3.74% |
The Napoleon 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 The Napoleon 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 The Napoleon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10101) · FFIEC NIC profile (RSSD 944047)