Ninnescah Valley 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.
Compared with Q1 2026, Net interest margin rose 0.19 percentage points in Q2 2026 to 4.24%, the biggest move on this page. Within Kansas, Ninnescah Valley Bank is 55th of 182 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Ninnescah Valley Bank sits 0.35 points higher, at 4.24% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.03% |
| Yield on loans | 7.45% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.87% |
| Cost of interest-bearing deposits | 1.51% |
| Cost of interest-bearing liabilities | 1.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $335K |
| Total interest expense | $88K |
| Interest expense on deposits | $87K |
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 | 4.10% | 0.98% | 3.28% | 6.98% | 2.18% |
| Q4 2023 | 4.32% | 0.91% | 3.55% | 7.34% | 2.28% |
| Q1 2024 | 4.69% | 0.99% | 3.76% | 7.30% | 2.57% |
| Q2 2024 | 4.63% | 1.16% | 3.61% | 7.56% | 2.39% |
| Q3 2024 | 4.67% | 1.21% | 3.57% | 7.24% | 2.44% |
| Q4 2024 | 4.72% | 0.94% | 3.83% | 7.54% | 2.43% |
| Q1 2025 | 4.99% | 1.07% | 3.97% | 7.28% | 2.71% |
| Q2 2025 | 5.01% | 1.06% | 4.06% | 7.46% | 2.89% |
| Q3 2025 | 5.09% | 1.11% | 4.11% | 7.73% | 3.04% |
| Q4 2025 | 4.95% | 1.04% | 4.03% | 7.62% | 2.98% |
| Q1 2026 | 4.96% | 0.98% | 4.05% | 7.40% | 3.10% |
| Q2 2026 | 5.03% | 0.87% | 4.24% | 7.45% | 3.19% |
Ninnescah Valley 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 Ninnescah Valley 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 Ninnescah Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4652) · FFIEC NIC profile (RSSD 789051)