The Ottoville Bank 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.
Compared with Q1 2026, Yield on loans fell 0.33 percentage points in Q2 2026 to 5.50%, the biggest move on this page. Within Ohio, The Ottoville Bank Company is 84th of 156 on net interest margin, 3.64% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Ottoville Bank Company sits 0.25 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | 5.50% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.99% |
| Cost of interest-bearing deposits | 1.21% |
| Cost of interest-bearing liabilities | 1.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $560K |
| Total interest expense | $182K |
| Interest expense on deposits | $181K |
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 | 3.62% | 0.69% | 3.05% | 4.09% | 2.71% |
| Q4 2023 | 4.37% | 0.82% | 3.69% | 5.26% | 2.79% |
| Q1 2024 | 4.65% | 1.17% | 3.65% | 5.75% | 3.02% |
| Q2 2024 | 4.74% | 1.32% | 3.60% | 5.79% | 2.85% |
| Q3 2024 | 4.82% | 1.40% | 3.61% | 6.01% | 2.89% |
| Q4 2024 | 4.85% | 1.43% | 3.62% | 6.02% | 2.94% |
| Q1 2025 | 4.64% | 1.30% | 3.52% | 5.90% | 3.03% |
| Q2 2025 | 4.72% | 1.22% | 3.68% | 5.93% | 3.06% |
| Q3 2025 | 4.55% | 1.21% | 3.54% | 5.61% | 3.22% |
| Q4 2025 | 4.75% | 1.19% | 3.74% | 6.02% | 3.43% |
| Q1 2026 | 4.63% | 1.09% | 3.69% | 5.83% | 3.54% |
| Q2 2026 | 4.48% | 0.99% | 3.64% | 5.50% | 3.56% |
The Ottoville Bank 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 Ottoville Bank 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 Ottoville Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8403) · FFIEC NIC profile (RSSD 443625)