Unified 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 standout move of Q2 2026 was in Net interest margin: 0.77 percentage points higher than in Q1 2026, at 4.41%. Within Ohio, Unified Bank is 25th of 156 on net interest margin, 4.41% 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. Unified Bank sits 0.46 points higher, at 4.41% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.99% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.98% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.9M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $2.3M |
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 |
|---|---|---|---|
| Q3 2023 | 5.17% | 1.42% | 3.78% |
| Q4 2023 | 5.28% | 1.54% | 3.81% |
| Q1 2024 | 5.27% | 1.69% | 3.66% |
| Q2 2024 | 5.31% | 1.72% | 3.66% |
| Q3 2024 | 5.52% | 1.76% | 3.80% |
| Q4 2024 | 5.57% | 1.69% | 3.89% |
| Q1 2025 | 5.44% | 1.68% | 3.80% |
| Q2 2025 | 5.55% | 1.75% | 3.85% |
| Q3 2025 | 5.61% | 1.77% | 3.89% |
| Q4 2025 | 5.65% | 1.69% | 4.00% |
| Q1 2026 | 5.25% | 1.60% | 3.64% |
| Q2 2026 | 5.99% | 1.57% | 4.41% |
Unified 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 Unified 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 Unified Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9463) · FFIEC NIC profile (RSSD 584724)