PBK Bank, Inc: 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 4.98% to 5.09%, the largest move among the key lines here. Among 119 Kentucky banks, PBK Bank, Inc sits 4th from the top on net interest margin, 5.09% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. PBK Bank, Inc sits 1.14 points higher, at 5.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.07% |
| Yield on loans | 7.80% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.10% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.09% |
| Yield to cost spread | 4.63% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $408K |
| Interest expense on deposits | $408K |
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 | 5.88% | 0.67% | 5.27% | 7.40% | 1.91% |
| Q4 2023 | 6.00% | 0.80% | 5.27% | 7.57% | 1.90% |
| Q1 2024 | 6.11% | 0.96% | 5.24% | 7.70% | 1.90% |
| Q2 2024 | 6.26% | 1.09% | 5.28% | 7.93% | 1.92% |
| Q3 2024 | 6.32% | 1.21% | 5.25% | 8.04% | 2.16% |
| Q4 2024 | 6.07% | 1.23% | 5.00% | 8.06% | 2.61% |
| Q1 2025 | 6.12% | 1.22% | 5.03% | 8.01% | 2.69% |
| Q2 2025 | 6.24% | 1.20% | 5.18% | 8.09% | 2.95% |
| Q3 2025 | 6.37% | 1.21% | 5.30% | 8.22% | 3.00% |
| Q4 2025 | 6.19% | 1.23% | 5.10% | 7.92% | 3.09% |
| Q1 2026 | 6.03% | 1.18% | 4.98% | 7.77% | 3.01% |
| Q2 2026 | 6.07% | 1.10% | 5.09% | 7.80% | 3.14% |
PBK Bank, Inc yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock PBK Bank, Inc, 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 PBK Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9313) · FFIEC NIC profile (RSSD 148715)