Whitaker Bank, Inc: 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.
In Q2 2026, Total interest expense edged up by 2.0%, from $2.5M to $2.6M, the largest move among the key lines here. Within Kentucky, Whitaker Bank, Inc is 41st of 119 on net interest margin, 4.15% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Whitaker Bank, Inc sits 0.44 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.70% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.61% |
| Cost of interest-bearing deposits | 0.91% |
| Cost of interest-bearing liabilities | 0.92% |
| Cost of borrowings | 1.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.9M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.4M |
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 | 3.94% | 0.39% | 3.59% |
| Q4 2023 | 4.12% | 0.52% | 3.65% |
| Q1 2024 | 4.14% | 0.67% | 3.54% |
| Q2 2024 | 4.30% | 0.71% | 3.65% |
| Q3 2024 | 4.37% | 0.79% | 3.66% |
| Q4 2024 | 4.42% | 0.76% | 3.73% |
| Q1 2025 | 4.34% | 0.72% | 3.69% |
| Q2 2025 | 4.47% | 0.72% | 3.82% |
| Q3 2025 | 4.63% | 0.73% | 3.98% |
| Q4 2025 | 4.67% | 0.67% | 4.07% |
| Q1 2026 | 4.60% | 0.60% | 4.06% |
| Q2 2026 | 4.70% | 0.61% | 4.15% |
Whitaker Bank, Inc yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Whitaker Bank, Inc, 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 Whitaker Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32912) · FFIEC NIC profile (RSSD 1445943)