Vinton County National 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.
Compared with Q1 2026, Net interest margin rose 0.15 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Within Ohio, Vinton County National Bank is 63rd of 156 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. Vinton County National Bank reported 3.87% on net interest margin for Q2 2026, 0.16 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.55% |
| Yield on loans | 6.50% |
| Yield on securities | 2.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.85% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 1.48% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.24% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.1M |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.5M |
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 | 4.55% | 1.72% | 2.96% | 5.46% | 2.03% |
| Q4 2023 | 4.71% | 1.88% | 2.99% | 5.62% | 2.08% |
| Q1 2024 | 4.75% | 2.07% | 2.85% | 5.70% | 2.08% |
| Q2 2024 | 5.01% | 2.10% | 3.08% | 5.93% | 2.11% |
| Q3 2024 | 5.12% | 2.22% | 3.07% | 6.09% | 2.22% |
| Q4 2024 | 5.27% | 2.17% | 3.27% | 6.19% | 2.48% |
| Q1 2025 | 5.16% | 2.10% | 3.24% | 6.15% | 2.49% |
| Q2 2025 | 5.38% | 2.06% | 3.52% | 6.30% | 2.72% |
| Q3 2025 | 5.44% | 1.99% | 3.64% | 6.42% | 2.77% |
| Q4 2025 | 5.53% | 1.93% | 3.79% | 6.47% | 2.83% |
| Q1 2026 | 5.41% | 1.86% | 3.72% | 6.37% | 2.90% |
| Q2 2026 | 5.55% | 1.85% | 3.87% | 6.50% | 2.98% |
Vinton County National 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 Vinton County National 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 Vinton County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6636) · FFIEC NIC profile (RSSD 754826)