Ventura National Bank & Trust: 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.
Cost of interest-bearing deposits climbed 1.32 percentage points in Q2 2026, from 2.73% to 4.05%. It was the largest change from Q1 2026 among the key lines here. Ventura National Bank & Trust ranks 152nd of 182 Kansas banks on net interest margin, in the lower half at 3.39% (Q2 2026). Ventura National Bank & Trust reported 3.39% on net interest margin for Q2 2026, 0.50 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.20% |
| Yield on loans | 6.96% |
| Yield on securities | 1.95% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.47% |
| Cost of interest-bearing deposits | 4.05% |
| Cost of interest-bearing liabilities | 4.03% |
| Cost of borrowings | 7.69% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $610K |
| Total interest expense | $327K |
| Interest expense on deposits | $326K |
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 | 4.86% | 1.63% | 3.38% | 6.58% | 1.61% |
| Q4 2023 | 5.08% | 1.90% | 3.34% | 6.70% | 1.07% |
| Q1 2024 | 5.26% | 1.93% | 3.54% | 6.89% | 1.08% |
| Q2 2024 | 5.54% | 2.06% | 3.65% | 7.09% | 0.76% |
| Q3 2024 | 5.69% | 2.11% | 3.77% | 7.17% | 2.24% |
| Q4 2024 | 5.65% | 1.35% | 4.26% | 7.38% | 0.80% |
| Q1 2025 | 6.32% | 1.88% | 4.51% | 7.67% | 0.97% |
| Q2 2025 | 6.59% | 2.04% | 4.75% | 7.63% | 0.00% |
| Q3 2025 | 6.20% | 3.11% | 3.53% | 7.45% | 2.78% |
| Q4 2025 | 5.75% | 3.30% | 2.92% | 7.35% | 4.18% |
| Q1 2026 | 6.19% | 3.30% | 3.53% | 6.89% | 3.15% |
| Q2 2026 | 6.20% | 3.47% | 3.39% | 6.96% | 1.95% |
Ventura National Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4683) · FFIEC NIC profile (RSSD 931458)