Security Bank and Trust Company: 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 largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.26 percentage points to 3.28%. Security Bank and Trust Company ranks 72nd of 119 Kentucky banks on net interest margin, in the lower half at 3.82% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin; Security Bank and Trust Company reported 3.82% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 6.29% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 1.02% |
| Cost of interest-bearing liabilities | 1.02% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $425K |
| Total interest expense | $109K |
| Interest expense on deposits | $109K |
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 | 3.47% | 0.60% | 2.95% | 5.51% | 1.83% |
| Q4 2023 | 3.50% | 0.63% | 2.96% | 5.58% | 1.83% |
| Q1 2024 | 3.63% | 0.62% | 3.12% | 5.83% | 1.83% |
| Q2 2024 | 3.84% | 0.61% | 3.32% | 5.91% | 1.97% |
| Q3 2024 | 3.84% | 0.66% | 3.28% | 5.97% | 2.02% |
| Q4 2024 | 3.91% | 0.68% | 3.34% | 6.12% | 2.00% |
| Q1 2025 | 3.88% | 0.70% | 3.27% | 6.13% | 2.09% |
| Q2 2025 | 4.32% | 0.91% | 3.52% | 6.19% | 2.53% |
| Q3 2025 | 4.26% | 0.88% | 3.52% | 6.29% | 2.58% |
| Q4 2025 | 4.35% | 0.78% | 3.68% | 6.28% | 2.82% |
| Q1 2026 | 4.33% | 0.72% | 3.70% | 6.18% | 3.02% |
| Q2 2026 | 4.44% | 0.72% | 3.82% | 6.29% | 3.28% |
Security Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust Company, 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8121) · FFIEC NIC profile (RSSD 835613)