The National Bank of Blacksburg: 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, Yield on securities edged up by 0.14 percentage points, from 2.65% to 2.79%, the largest move among the key lines here. The National Bank of Blacksburg has the 5th lowest net interest margin of the 56 banks headquartered in Virginia, at 2.99% as of Q2 2026. The National Bank of Blacksburg reported 2.99% on net interest margin for Q2 2026, 0.72 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.43% |
| Yield on loans | 5.63% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.94% |
| Cost of interest-bearing liabilities | 1.94% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.99% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $6.4M |
| Interest expense on deposits | $6.4M |
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 | 3.76% | 1.65% | 2.23% | 4.69% | 2.55% |
| Q4 2023 | 3.89% | 1.89% | 2.15% | 4.79% | 2.66% |
| Q1 2024 | 3.95% | 2.04% | 2.05% | 4.83% | 2.68% |
| Q2 2024 | 4.09% | 2.13% | 2.10% | 5.03% | 2.68% |
| Q3 2024 | 4.29% | 2.25% | 2.19% | 5.32% | 2.67% |
| Q4 2024 | 4.24% | 2.05% | 2.33% | 5.31% | 2.61% |
| Q1 2025 | 4.15% | 1.90% | 2.36% | 5.24% | 2.53% |
| Q2 2025 | 4.26% | 1.83% | 2.55% | 5.40% | 2.51% |
| Q3 2025 | 4.43% | 1.81% | 2.74% | 5.67% | 2.53% |
| Q4 2025 | 4.53% | 1.69% | 2.94% | 5.89% | 2.60% |
| Q1 2026 | 4.38% | 1.54% | 2.94% | 5.65% | 2.65% |
| Q2 2026 | 4.43% | 1.55% | 2.99% | 5.63% | 2.79% |
The National Bank of Blacksburg 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 Blacksburg, 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 Blacksburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6821) · FFIEC NIC profile (RSSD 754929)