The Old Fort Banking Company: 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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.01% against 2.87%. It was the largest change among the key lines on this page. Within Ohio, The Old Fort Banking Company is 126th of 156 on net interest margin, 3.01% as of Q2 2026, below the middle of the field. The Old Fort Banking Company reported 3.01% on net interest margin for Q2 2026, 0.94 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.40% |
| Yield on loans | 5.44% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.49% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.9M |
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 | 3.68% | 1.62% | 2.12% | 4.60% | 2.02% |
| Q4 2023 | 3.86% | 1.82% | 2.11% | 4.78% | 2.09% |
| Q1 2024 | 3.82% | 1.85% | 2.06% | 4.73% | 2.22% |
| Q2 2024 | 3.89% | 1.98% | 2.01% | 4.82% | 2.36% |
| Q3 2024 | 4.00% | 2.05% | 2.06% | 4.93% | 2.40% |
| Q4 2024 | 4.03% | 1.96% | 2.19% | 5.03% | 2.49% |
| Q1 2025 | 3.98% | 1.75% | 2.36% | 4.94% | 2.57% |
| Q2 2025 | 4.09% | 1.76% | 2.44% | 5.10% | 2.68% |
| Q3 2025 | 4.26% | 1.78% | 2.59% | 5.31% | 2.77% |
| Q4 2025 | 4.51% | 1.68% | 2.96% | 5.69% | 2.85% |
| Q1 2026 | 4.29% | 1.52% | 2.87% | 5.31% | 2.84% |
| Q2 2026 | 4.40% | 1.51% | 3.01% | 5.44% | 2.94% |
The Old Fort Banking Company 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 Old Fort Banking Company, 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 Old Fort Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10255) · FFIEC NIC profile (RSSD 564324)