Springs Valley Bank & 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.
Total interest expense climbed 10.7% in Q2 2026, from $3.2M to $3.5M. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Springs Valley Bank & Trust Company is 37th of 87 on net interest margin, 3.84% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Springs Valley Bank & Trust Company reported 3.84% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 6.56% |
| Yield on securities | 4.08% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.53% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $3.5M |
| Interest expense on deposits | $3.5M |
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 | 5.50% | 2.36% | 3.30% | 5.77% | 3.66% |
| Q4 2023 | 5.65% | 2.72% | 3.13% | 5.96% | 3.68% |
| Q1 2024 | 5.69% | 2.93% | 2.96% | 6.00% | 3.72% |
| Q2 2024 | 5.81% | 3.07% | 2.96% | 6.15% | 3.78% |
| Q3 2024 | 5.96% | 3.13% | 3.03% | 6.31% | 3.79% |
| Q4 2024 | 5.85% | 2.97% | 3.07% | 6.28% | 3.87% |
| Q1 2025 | 5.76% | 2.76% | 3.18% | 6.20% | 3.93% |
| Q2 2025 | 5.93% | 2.65% | 3.45% | 6.43% | 3.93% |
| Q3 2025 | 6.04% | 2.59% | 3.63% | 6.54% | 3.97% |
| Q4 2025 | 6.07% | 2.44% | 3.81% | 6.57% | 4.04% |
| Q1 2026 | 6.06% | 2.25% | 3.98% | 6.50% | 4.06% |
| Q2 2026 | 6.08% | 2.42% | 3.84% | 6.56% | 4.08% |
Springs Valley Bank & 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 Springs Valley Bank & 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 Springs Valley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4419) · FFIEC NIC profile (RSSD 93543)