United Cumberland 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.
Total interest expense rose 2.7% from Q1 2026 to Q2 2026, ending at $1.9M against $1.8M. It was the largest change among the key lines on this page. Within Kentucky, United Cumberland Bank is 33rd of 119 on net interest margin, 4.28% 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. United Cumberland Bank sits 0.33 points higher, at 4.28% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.95% |
| Yield on loans | 7.05% |
| Yield on securities | 2.23% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.28% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.28% |
| Yield to cost spread | 3.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.8M |
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 | 5.10% | 0.87% | 4.29% | 6.31% | 1.46% |
| Q4 2023 | 5.35% | 1.20% | 4.24% | 6.57% | 1.50% |
| Q1 2024 | 5.47% | 1.49% | 4.08% | 6.78% | 1.62% |
| Q2 2024 | 5.63% | 1.47% | 4.26% | 6.85% | 1.69% |
| Q3 2024 | 5.80% | 1.82% | 4.11% | 7.13% | 1.69% |
| Q4 2024 | 5.89% | 1.88% | 4.16% | 7.16% | 1.61% |
| Q1 2025 | 5.74% | 1.84% | 4.02% | 7.05% | 1.56% |
| Q2 2025 | 5.98% | 1.87% | 4.22% | 7.25% | 1.64% |
| Q3 2025 | 6.08% | 1.90% | 4.30% | 7.40% | 1.79% |
| Q4 2025 | 6.13% | 1.85% | 4.40% | 7.35% | 2.08% |
| Q1 2026 | 5.90% | 1.78% | 4.24% | 7.11% | 2.15% |
| Q2 2026 | 5.95% | 1.80% | 4.28% | 7.05% | 2.23% |
United Cumberland 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 United Cumberland 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 United Cumberland Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 303) · FFIEC NIC profile (RSSD 425818)