Putnam County 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 standout move of Q2 2026 was in Total interest expense: 12.4% higher than in Q1 2026, at $3.2M. On net interest margin, Putnam County Bank is 5th from the bottom among 41 West Virginia banks, 3.16% (Q2 2026). Putnam County Bank reported 3.16% on net interest margin for Q2 2026, 0.79 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.51% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.4M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.2M |
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 |
|---|---|---|---|
| Q3 2023 | 4.29% | 1.82% | 2.67% |
| Q4 2023 | 4.52% | 2.02% | 2.74% |
| Q1 2024 | 4.75% | 2.32% | 2.69% |
| Q2 2024 | 4.74% | 2.42% | 2.60% |
| Q3 2024 | 4.76% | 2.46% | 2.56% |
| Q4 2024 | 4.95% | 2.47% | 2.77% |
| Q1 2025 | 4.68% | 2.28% | 2.66% |
| Q2 2025 | 4.91% | 2.11% | 3.04% |
| Q3 2025 | 4.96% | 2.03% | 3.16% |
| Q4 2025 | 4.91% | 1.97% | 3.18% |
| Q1 2026 | 4.75% | 1.98% | 3.00% |
| Q2 2026 | 5.02% | 2.10% | 3.16% |
Putnam County 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 Putnam County 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 Putnam County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15243) · FFIEC NIC profile (RSSD 417626)