Apex 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.
The standout move of Q2 2026 was in Net interest margin: 0.45 percentage points lower than in Q1 2026, at 4.95%. Within Tennessee, Apex Bank is 11th of 109 on net interest margin, 4.95% as of Q2 2026. Apex Bank reported 4.95% on net interest margin for Q2 2026, 1.24 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.26% |
| Yield on loans | 7.54% |
| Yield on securities | 7.55% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.64% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 3.44% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.6M |
| Total interest expense | $7.7M |
| Interest expense on deposits | $6.9M |
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 | 7.61% | 2.32% | 5.53% | 8.04% | 7.27% |
| Q4 2023 | 7.34% | 2.44% | 5.19% | 7.70% | 6.84% |
| Q1 2024 | 7.66% | 2.69% | 5.36% | 8.02% | 7.97% |
| Q2 2024 | 7.30% | 2.69% | 5.04% | 7.51% | 8.49% |
| Q3 2024 | 7.99% | 2.62% | 5.80% | 8.22% | 5.91% |
| Q4 2024 | 7.95% | 2.48% | 5.90% | 8.24% | 5.82% |
| Q1 2025 | 7.36% | 2.28% | 5.44% | 7.61% | 5.75% |
| Q2 2025 | 7.67% | 2.64% | 5.50% | 7.90% | 7.69% |
| Q3 2025 | 7.34% | 2.53% | 5.20% | 7.53% | 8.62% |
| Q4 2025 | 7.54% | 2.61% | 5.34% | 7.73% | 7.90% |
| Q1 2026 | 7.58% | 2.56% | 5.40% | 7.84% | 7.95% |
| Q2 2026 | 7.26% | 2.64% | 4.95% | 7.54% | 7.55% |
Apex 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 Apex 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 Apex Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9176) · FFIEC NIC profile (RSSD 51253)