River City 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.
Cost of borrowings rose 0.58 percentage points from Q1 2026 to Q2 2026, ending at 3.53% against 2.95%. It was the largest change among the key lines on this page. Within Kentucky, River City Bank, Inc. is 97th of 119 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. River City Bank, Inc. sits 0.53 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 7.23% |
| Yield on securities | 1.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.95% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.36% |
| Cost of borrowings | 3.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.26% | 2.73% | 2.66% | 6.50% | 1.76% |
| Q4 2023 | 5.61% | 3.29% | 2.45% | 6.76% | 1.78% |
| Q1 2024 | 5.81% | 3.50% | 2.47% | 6.97% | 1.82% |
| Q2 2024 | 5.94% | 3.56% | 2.55% | 7.15% | 1.79% |
| Q3 2024 | 6.15% | 3.59% | 2.76% | 7.33% | 1.83% |
| Q4 2024 | 6.22% | 3.53% | 2.87% | 7.41% | 1.79% |
| Q1 2025 | 6.25% | 3.33% | 3.08% | 7.42% | 1.72% |
| Q2 2025 | 6.21% | 3.24% | 3.15% | 7.37% | 1.78% |
| Q3 2025 | 6.30% | 3.23% | 3.25% | 7.43% | 1.79% |
| Q4 2025 | 6.26% | 3.14% | 3.31% | 7.37% | 1.79% |
| Q1 2026 | 6.12% | 2.95% | 3.34% | 7.20% | 1.84% |
| Q2 2026 | 6.16% | 2.95% | 3.42% | 7.23% | 1.85% |
River City 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 River City 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 River City Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26703) · FFIEC NIC profile (RSSD 396244)