Wilson & Muir Bank & Trust 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.
Net interest margin rose 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.50% against 4.33%. It was the largest change among the key lines on this page. Within Kentucky, Wilson & Muir Bank & Trust Company is 21st of 119 on net interest margin, 4.50% as of Q2 2026, above the middle of the field. Wilson & Muir Bank & Trust Company reported 4.50% on net interest margin for Q2 2026, 0.55 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.86% |
| Cost of interest-bearing deposits | 1.67% |
| Cost of interest-bearing liabilities | 1.67% |
| Cost of borrowings | 1.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.50% |
| Yield to cost spread | 3.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.0M |
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 | 4.93% | 0.69% | 4.28% |
| Q4 2023 | 5.11% | 0.73% | 4.32% |
| Q1 2024 | 5.21% | 0.86% | 4.17% |
| Q2 2024 | 5.34% | 1.01% | 4.11% |
| Q3 2024 | 5.51% | 1.10% | 4.19% |
| Q4 2024 | 5.52% | 1.10% | 4.21% |
| Q1 2025 | 5.42% | 1.00% | 4.19% |
| Q2 2025 | 5.66% | 0.92% | 4.54% |
| Q3 2025 | 5.57% | 0.93% | 4.47% |
| Q4 2025 | 5.53% | 0.91% | 4.45% |
| Q1 2026 | 5.36% | 0.88% | 4.33% |
| Q2 2026 | 5.51% | 0.86% | 4.50% |
Wilson & Muir Bank & Trust 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 Wilson & Muir Bank & Trust 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 Wilson & Muir Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17040) · FFIEC NIC profile (RSSD 899343)