Spencer 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.88%. Spencer County Bank ranks 36th of 87 Indiana banks on net interest margin, in the upper half at 3.88% (Q2 2026). At 3.88%, Spencer County Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.33% |
| Yield on securities | 2.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.47% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $408K |
| Interest expense on deposits | $408K |
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 | 4.60% | 0.87% | 3.81% | 5.57% | 2.17% |
| Q4 2023 | 4.65% | 1.05% | 3.69% | 5.57% | 2.12% |
| Q1 2024 | 4.76% | 1.27% | 3.60% | 5.68% | 2.26% |
| Q2 2024 | 5.02% | 1.40% | 3.74% | 5.90% | 2.29% |
| Q3 2024 | 5.03% | 1.55% | 3.64% | 5.98% | 2.21% |
| Q4 2024 | 5.09% | 1.59% | 3.64% | 6.00% | 2.60% |
| Q1 2025 | 5.06% | 1.50% | 3.68% | 6.12% | 2.63% |
| Q2 2025 | 5.22% | 1.47% | 3.88% | 6.24% | 2.79% |
| Q3 2025 | 5.16% | 1.49% | 3.80% | 6.23% | 2.78% |
| Q4 2025 | 5.12% | 1.53% | 3.74% | 6.20% | 2.86% |
| Q1 2026 | 5.12% | 1.49% | 3.77% | 6.27% | 2.91% |
| Q2 2026 | 5.20% | 1.47% | 3.88% | 6.33% | 2.95% |
Spencer 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 Spencer 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 Spencer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5786) · FFIEC NIC profile (RSSD 871648)