The National Bank of Indianapolis: 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.
Cost of borrowings climbed 2.49 percentage points in Q2 2026, from 0.00% to 2.49%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, The National Bank of Indianapolis is 73rd of 87 on net interest margin, 3.18% as of Q2 2026, below the middle of the field. The National Bank of Indianapolis reported 3.18% on net interest margin for Q2 2026, 0.53 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.17% |
| Yield on loans | 6.13% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | 2.49% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.18% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $32.4M |
| Total interest expense | $14.8M |
| Interest expense on deposits | $14.8M |
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 | 5.19% | 2.24% | 2.75% | 6.50% | 1.74% |
| Q4 2023 | 5.33% | 2.43% | 2.74% | 6.64% | 1.74% |
| Q1 2024 | 5.42% | 2.53% | 2.73% | 6.69% | 1.78% |
| Q2 2024 | 5.47% | 2.54% | 2.76% | 6.74% | 1.79% |
| Q3 2024 | 5.58% | 2.53% | 2.92% | 6.86% | 1.96% |
| Q4 2024 | 5.28% | 2.21% | 2.92% | 6.50% | 2.23% |
| Q1 2025 | 5.13% | 2.01% | 2.99% | 6.32% | 2.41% |
| Q2 2025 | 5.20% | 2.05% | 3.04% | 6.37% | 2.64% |
| Q3 2025 | 5.37% | 2.02% | 3.24% | 6.47% | 2.69% |
| Q4 2025 | 5.19% | 1.99% | 3.09% | 6.31% | 2.58% |
| Q1 2026 | 5.06% | 1.81% | 3.12% | 6.05% | 2.47% |
| Q2 2026 | 5.17% | 1.85% | 3.18% | 6.13% | 2.43% |
The National Bank of Indianapolis 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 Indianapolis, 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 Indianapolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33860) · FFIEC NIC profile (RSSD 2132941)