The Richwood Banking Company, 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.
Total interest expense climbed 9.8% in Q2 2026, from $3.8M to $4.1M. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Richwood Banking Company, Inc. is 35th of 156 on net interest margin, 4.29% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The Richwood Banking Company, Inc. sits 0.58 points higher, at 4.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.48% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.35% |
| Cost of interest-bearing deposits | 1.44% |
| Cost of interest-bearing liabilities | 1.59% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.2M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $3.6M |
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 | 4.83% | 1.62% | 3.25% | 6.01% | 2.04% |
| Q4 2023 | 4.86% | 1.76% | 3.18% | 6.09% | 2.03% |
| Q1 2024 | 4.97% | 2.02% | 3.05% | 6.16% | 2.16% |
| Q2 2024 | 5.32% | 1.67% | 3.72% | 6.67% | 2.31% |
| Q3 2024 | 5.21% | 1.75% | 3.54% | 6.44% | 2.37% |
| Q4 2024 | 5.15% | 1.57% | 3.67% | 6.44% | 2.31% |
| Q1 2025 | 5.05% | 1.53% | 3.58% | 6.21% | 2.30% |
| Q2 2025 | 5.34% | 1.55% | 3.86% | 6.53% | 2.34% |
| Q3 2025 | 5.68% | 1.65% | 4.09% | 6.92% | 2.53% |
| Q4 2025 | 5.62% | 1.47% | 4.22% | 6.63% | 2.83% |
| Q1 2026 | 5.34% | 1.23% | 4.13% | 6.28% | 3.08% |
| Q2 2026 | 5.62% | 1.35% | 4.29% | 6.48% | 3.51% |
The Richwood Banking Company, 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 The Richwood Banking Company, 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 The Richwood Banking Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12978) · FFIEC NIC profile (RSSD 150727)