Taylor 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 4.13% to 4.21%, the largest move among the key lines here. Within Kentucky, Taylor County Bank is 38th of 119 on net interest margin, 4.21% as of Q2 2026. Taylor County Bank reported 4.21% on net interest margin for Q2 2026, 0.27 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.85% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.19% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $919K |
| Interest expense on deposits | $919K |
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 | 5.29% | 1.41% | 4.00% | 6.37% | 2.55% |
| Q4 2023 | 5.41% | 1.55% | 3.99% | 6.47% | 2.55% |
| Q1 2024 | 5.48% | 1.57% | 3.97% | 6.45% | 3.30% |
| Q2 2024 | 5.67% | 1.75% | 4.06% | 6.64% | 3.23% |
| Q3 2024 | 5.72% | 1.87% | 4.03% | 6.78% | 3.04% |
| Q4 2024 | 5.70% | 1.88% | 4.00% | 6.75% | 3.06% |
| Q1 2025 | 5.66% | 1.80% | 4.05% | 6.65% | 3.05% |
| Q2 2025 | 5.87% | 1.84% | 4.18% | 7.01% | 2.80% |
| Q3 2025 | 5.92% | 1.96% | 4.18% | 7.33% | 2.49% |
| Q4 2025 | 5.92% | 1.91% | 4.18% | 7.11% | 2.83% |
| Q1 2026 | 5.71% | 1.76% | 4.13% | 6.80% | 2.80% |
| Q2 2026 | 5.71% | 1.67% | 4.21% | 6.85% | 2.85% |
Taylor 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 Taylor 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 Taylor County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15590) · FFIEC NIC profile (RSSD 831941)