The National Bank of Adams County of West Union: 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.
In Q2 2026, Net interest margin edged up by 0.05 percentage points, from 4.09% to 4.14%, the largest move among the key lines here. Within Ohio, The National Bank of Adams County of West Union is 42nd of 156 on net interest margin, 4.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The National Bank of Adams County of West Union sits 0.19 points higher, at 4.14% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.82% |
| Yield on securities | 4.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.92% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.14% |
| Yield to cost spread | 3.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.0M |
| Total interest expense | $388K |
| Interest expense on deposits | $388K |
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 | 5.12% | 1.34% | 3.76% | 5.88% | 4.44% |
| Q4 2023 | 5.18% | 1.39% | 3.82% | 5.84% | 4.28% |
| Q1 2024 | 5.31% | 1.42% | 3.94% | 6.22% | 4.23% |
| Q2 2024 | 5.42% | 1.47% | 4.01% | 6.36% | 4.44% |
| Q3 2024 | 5.72% | 1.48% | 4.28% | 6.48% | 4.88% |
| Q4 2024 | 6.00% | 1.48% | 4.50% | 6.61% | 5.47% |
| Q1 2025 | 5.50% | 1.48% | 4.08% | 6.50% | 4.21% |
| Q2 2025 | 5.56% | 1.53% | 4.15% | 6.62% | 4.53% |
| Q3 2025 | 5.57% | 1.55% | 4.15% | 6.78% | 4.22% |
| Q4 2025 | 5.58% | 1.52% | 4.17% | 6.86% | 4.13% |
| Q1 2026 | 5.46% | 1.48% | 4.09% | 6.73% | 3.94% |
| Q2 2026 | 5.55% | 1.51% | 4.14% | 6.82% | 4.00% |
The National Bank of Adams County of West Union 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 National Bank of Adams County of West Union, 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 National Bank of Adams County of West Union profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6728) · FFIEC NIC profile (RSSD 290922)