The Union Banking 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.
Compared with Q1 2026, Net interest margin rose 0.18 percentage points in Q2 2026 to 1.92%, the biggest move on this page. The Union Banking Company has the 5th lowest net interest margin of the 156 banks headquartered in Ohio, at 1.92% as of Q2 2026. The Union Banking Company's net interest margin of 1.92% is well below the 3.89% median for banks in the < $100M asset tier, a gap of 1.97 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.52% |
| Yield on loans | 5.87% |
| Yield on securities | 3.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.92% |
| Yield to cost spread | 1.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $124K |
| Total interest expense | $228K |
| Interest expense on deposits | $146K |
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 | 3.39% | 1.67% | 2.13% | 4.87% | 2.86% |
| Q4 2023 | 3.42% | 1.97% | 1.96% | 5.10% | 2.85% |
| Q1 2024 | 3.38% | 2.02% | 1.87% | 5.07% | 2.84% |
| Q2 2024 | 3.41% | 2.10% | 1.82% | 5.48% | 2.83% |
| Q3 2024 | 3.38% | 2.19% | 1.70% | 5.64% | 2.77% |
| Q4 2024 | 3.34% | 2.17% | 1.66% | 5.73% | 2.76% |
| Q1 2025 | 3.37% | 2.13% | 1.72% | 5.61% | 2.89% |
| Q2 2025 | 3.42% | 2.20% | 1.71% | 5.87% | 2.89% |
| Q3 2025 | 3.38% | 2.28% | 1.61% | 5.80% | 2.83% |
| Q4 2025 | 3.34% | 2.23% | 1.62% | 5.88% | 2.84% |
| Q1 2026 | 3.39% | 2.11% | 1.74% | 5.88% | 2.87% |
| Q2 2026 | 3.52% | 2.01% | 1.92% | 5.87% | 3.01% |
The Union Banking 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 The Union Banking 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 The Union Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15326) · FFIEC NIC profile (RSSD 289225)