The Riddell National 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.91%, the biggest move on this page. The Riddell National Bank ranks 35th of 87 Indiana banks on net interest margin, in the upper half at 3.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Riddell National Bank reported 3.91% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.52% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 4.43% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.38% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.7M |
| Total interest expense | $1.8M |
| 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 | 4.84% | 1.81% | 3.10% | 5.51% | 2.40% |
| Q4 2023 | 5.02% | 2.22% | 2.89% | 5.69% | 2.47% |
| Q1 2024 | 5.10% | 2.35% | 2.82% | 5.72% | 2.49% |
| Q2 2024 | 5.23% | 2.47% | 2.85% | 5.86% | 2.49% |
| Q3 2024 | 5.38% | 2.53% | 2.95% | 6.05% | 2.55% |
| Q4 2024 | 5.46% | 2.48% | 3.09% | 6.09% | 2.58% |
| Q1 2025 | 5.42% | 2.30% | 3.21% | 6.07% | 2.64% |
| Q2 2025 | 5.70% | 2.21% | 3.58% | 6.38% | 2.70% |
| Q3 2025 | 5.75% | 2.25% | 3.57% | 6.43% | 2.76% |
| Q4 2025 | 5.78% | 2.16% | 3.71% | 6.45% | 2.81% |
| Q1 2026 | 5.71% | 2.01% | 3.76% | 6.35% | 2.93% |
| Q2 2026 | 5.86% | 2.01% | 3.91% | 6.52% | 3.05% |
The Riddell National 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 The Riddell National 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 The Riddell National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4318) · FFIEC NIC profile (RSSD 319047)