National Bank of Middlebury: 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 Total interest expense, which fell 4.7% to $1.0M. National Bank of Middlebury ranks 6th of 12 Vermont banks on net interest margin, in the upper half at 3.69% (Q2 2026). National Bank of Middlebury reported 3.69% on net interest margin for Q2 2026, 0.26 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.50% |
| Yield on loans | 5.43% |
| Yield on securities | 2.54% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.89% |
| Cost of interest-bearing deposits | 0.94% |
| Cost of interest-bearing liabilities | 0.94% |
| Cost of borrowings | 0.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 3.64% | 1.02% | 2.64% | 4.60% | 1.91% |
| Q4 2023 | 3.76% | 1.08% | 2.71% | 4.75% | 1.93% |
| Q1 2024 | 3.82% | 1.14% | 2.71% | 4.82% | 1.97% |
| Q2 2024 | 3.91% | 1.19% | 2.74% | 4.92% | 2.01% |
| Q3 2024 | 4.34% | 1.26% | 3.12% | 5.52% | 2.07% |
| Q4 2024 | 4.12% | 1.20% | 2.95% | 5.11% | 2.12% |
| Q1 2025 | 4.14% | 1.00% | 3.15% | 5.08% | 2.20% |
| Q2 2025 | 4.26% | 1.01% | 3.25% | 5.21% | 2.25% |
| Q3 2025 | 4.36% | 0.97% | 3.39% | 5.34% | 2.31% |
| Q4 2025 | 4.41% | 0.94% | 3.47% | 5.37% | 2.40% |
| Q1 2026 | 4.38% | 0.87% | 3.53% | 5.31% | 2.46% |
| Q2 2026 | 4.50% | 0.89% | 3.69% | 5.43% | 2.54% |
National Bank of Middlebury yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of Middlebury, 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 National Bank of Middlebury profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6275) · FFIEC NIC profile (RSSD 173306)