Owingsville 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.
The standout move of Q2 2026 was in Cost of borrowings: 2.56 percentage points lower than in Q1 2026, at 3.08%. Within Kentucky, Owingsville Banking Company is 35th of 119 on net interest margin, 4.24% as of Q2 2026, above the middle of the field. Owingsville Banking Company reported 4.24% on net interest margin for Q2 2026, 0.29 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 7.21% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.25% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $520K |
| Interest expense on deposits | $511K |
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 | 6.23% | 1.70% | 4.53% | 7.17% | 2.62% |
| Q4 2023 | 6.55% | 1.57% | 4.99% | 7.47% | 2.82% |
| Q1 2024 | 6.49% | 2.13% | 4.40% | 7.60% | 2.75% |
| Q2 2024 | 6.62% | 2.22% | 4.45% | 7.70% | 2.84% |
| Q3 2024 | 6.71% | 2.35% | 4.40% | 7.75% | 2.78% |
| Q4 2024 | 6.92% | 2.31% | 4.66% | 7.79% | 2.59% |
| Q1 2025 | 6.73% | 2.63% | 4.38% | 7.60% | 2.84% |
| Q2 2025 | 6.75% | 2.37% | 4.42% | 7.63% | 2.84% |
| Q3 2025 | 6.84% | 2.39% | 4.55% | 7.77% | 2.84% |
| Q4 2025 | 6.76% | 2.27% | 4.54% | 7.60% | 2.87% |
| Q1 2026 | 6.44% | 2.24% | 4.26% | 7.23% | 2.82% |
| Q2 2026 | 6.40% | 2.25% | 4.24% | 7.21% | 2.96% |
Owingsville 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 Owingsville 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 Owingsville Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9672) · FFIEC NIC profile (RSSD 492810)