The Twin Valley 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.
Net interest margin rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 4.25% against 3.94%. It was the largest change among the key lines on this page. Within Ohio, The Twin Valley Bank is 37th of 156 on net interest margin, 4.25% as of Q2 2026, above the middle of the field. The Twin Valley Bank reported 4.25% on net interest margin for Q2 2026, 0.30 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.74% |
| Yield on securities | 1.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.25% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $440K |
| Interest expense on deposits | $440K |
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% | 0.97% | 3.66% | 6.18% | 1.80% |
| Q4 2023 | 4.79% | 1.12% | 3.71% | 6.30% | 1.85% |
| Q1 2024 | 5.00% | 1.25% | 3.72% | 6.25% | 1.72% |
| Q2 2024 | 5.28% | 1.33% | 3.94% | 6.53% | 1.71% |
| Q3 2024 | 5.23% | 1.39% | 3.85% | 6.65% | 1.65% |
| Q4 2024 | 5.20% | 1.06% | 4.16% | 6.64% | 1.70% |
| Q1 2025 | 5.11% | 1.30% | 3.83% | 6.46% | 1.69% |
| Q2 2025 | 5.55% | 1.30% | 4.23% | 6.69% | 1.92% |
| Q3 2025 | 5.63% | 1.35% | 4.24% | 6.72% | 2.00% |
| Q4 2025 | 5.57% | 1.27% | 4.28% | 6.79% | 1.76% |
| Q1 2026 | 5.43% | 1.43% | 3.94% | 6.52% | 1.75% |
| Q2 2026 | 5.63% | 1.37% | 4.25% | 6.74% | 1.72% |
The Twin Valley 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 The Twin Valley 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 The Twin Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13802) · FFIEC NIC profile (RSSD 381026)