Owen County State 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.6% to $2.1M. Owen County State Bank ranks 49th of 87 Indiana banks on net interest margin, in the lower half at 3.55% (Q2 2026). Owen County State Bank reported 3.55% on net interest margin for Q2 2026, 0.40 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 7.16% |
| Yield on securities | 2.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.61% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.7M |
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 | 4.69% | 1.69% | 3.09% | 6.14% | 1.86% |
| Q4 2023 | 4.83% | 1.94% | 2.99% | 6.23% | 1.95% |
| Q1 2024 | 4.87% | 2.11% | 2.87% | 6.22% | 1.94% |
| Q2 2024 | 5.06% | 2.26% | 2.90% | 6.43% | 1.97% |
| Q3 2024 | 5.29% | 2.32% | 3.09% | 6.67% | 1.94% |
| Q4 2024 | 5.32% | 2.34% | 3.08% | 6.70% | 1.96% |
| Q1 2025 | 5.32% | 2.30% | 3.12% | 6.65% | 1.95% |
| Q2 2025 | 5.59% | 2.34% | 3.35% | 6.95% | 2.00% |
| Q3 2025 | 5.72% | 2.38% | 3.49% | 7.07% | 2.00% |
| Q4 2025 | 5.73% | 2.39% | 3.47% | 7.05% | 2.00% |
| Q1 2026 | 5.60% | 2.36% | 3.34% | 6.95% | 1.97% |
| Q2 2026 | 5.77% | 2.26% | 3.55% | 7.16% | 2.00% |
Owen County State 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 Owen County State 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 Owen County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13112) · FFIEC NIC profile (RSSD 38740)