Springfield State 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, Total interest expense rose 3.1% in Q2 2026 to $2.5M, the biggest move on this page. Springfield State Bank has the 10th lowest net interest margin of the 119 banks headquartered in Kentucky, at 3.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Springfield State Bank sits 0.93 points lower, at 3.01% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | 6.36% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.49% |
| Cost of interest-bearing deposits | 2.91% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 3.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.01% |
| Yield to cost spread | 2.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.3M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.2M |
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 | 4.22% | 1.44% | 2.93% | 5.35% | 2.09% |
| Q4 2023 | 4.34% | 1.82% | 2.71% | 5.46% | 2.12% |
| Q1 2024 | 4.42% | 2.12% | 2.55% | 5.58% | 2.09% |
| Q2 2024 | 4.39% | 2.24% | 2.50% | 5.65% | 1.90% |
| Q3 2024 | 4.57% | 2.45% | 2.53% | 5.91% | 1.90% |
| Q4 2024 | 4.75% | 2.47% | 2.70% | 6.08% | 1.95% |
| Q1 2025 | 4.74% | 2.40% | 2.71% | 6.04% | 1.88% |
| Q2 2025 | 4.92% | 2.45% | 2.86% | 6.21% | 1.90% |
| Q3 2025 | 4.98% | 2.45% | 2.91% | 6.29% | 1.83% |
| Q4 2025 | 5.13% | 2.50% | 3.01% | 6.38% | 1.91% |
| Q1 2026 | 4.99% | 2.45% | 2.91% | 6.22% | 1.82% |
| Q2 2026 | 5.11% | 2.49% | 3.01% | 6.36% | 1.92% |
Springfield State 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 Springfield State 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 Springfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8772) · FFIEC NIC profile (RSSD 197142)