Armor 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 0.29 percentage points in Q2 2026 to 4.15%, the biggest move on this page. Armor Bank ranks 34th of 78 Arkansas banks on net interest margin, in the upper half at 4.15% (Q2 2026). Armor Bank reported 4.15% on net interest margin for Q2 2026, 0.20 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 6.83% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | 7.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $2.4M |
| 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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.80% | 2.08% | 2.78% | 5.36% | 1.70% |
| Q4 2023 | 5.02% | 2.37% | 2.70% | 5.53% | 1.72% |
| Q1 2024 | 5.08% | 2.48% | 2.71% | 5.72% | 1.89% |
| Q2 2024 | 5.50% | 2.40% | 3.00% | 6.12% | 2.01% |
| Q3 2024 | 5.75% | 2.86% | 2.99% | 6.43% | 1.99% |
| Q4 2024 | 5.76% | 2.59% | 3.25% | 6.37% | 2.13% |
| Q1 2025 | 5.68% | 2.47% | 3.31% | 6.27% | 2.18% |
| Q2 2025 | 5.90% | 2.40% | 3.59% | 6.52% | 2.22% |
| Q3 2025 | 6.71% | 2.24% | 4.25% | 6.85% | 5.89% |
| Q4 2025 | 6.16% | 2.07% | 4.06% | 6.80% | 2.60% |
| Q1 2026 | 5.91% | 2.11% | 3.86% | 6.52% | 2.94% |
| Q2 2026 | 6.22% | 2.16% | 4.15% | 6.83% | 3.05% |
Armor 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 Armor 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 Armor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28812) · FFIEC NIC profile (RSSD 168571)