Auburnbank: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.4% between Q1 2026 and Q2 2026, to $2.7M. Within Alabama, Auburnbank is 73rd of 93 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. Auburnbank reported 3.33% on net interest margin for Q2 2026, 0.38 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.44% |
| Yield on loans | 5.68% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 1.54% |
| Cost of interest-bearing liabilities | 1.54% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.7M |
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 | 3.60% | 1.00% | 2.63% | 4.86% | 2.07% |
| Q4 2023 | 3.76% | 1.27% | 2.53% | 4.98% | 2.09% |
| Q1 2024 | 4.04% | 1.13% | 2.93% | 5.05% | 1.96% |
| Q2 2024 | 4.19% | 1.27% | 2.95% | 5.26% | 1.95% |
| Q3 2024 | 4.32% | 1.39% | 2.96% | 5.40% | 1.94% |
| Q4 2024 | 4.31% | 1.34% | 3.03% | 5.43% | 1.97% |
| Q1 2025 | 4.25% | 1.23% | 3.05% | 5.36% | 1.95% |
| Q2 2025 | 4.35% | 1.23% | 3.17% | 5.52% | 1.95% |
| Q3 2025 | 4.45% | 1.27% | 3.24% | 5.64% | 1.95% |
| Q4 2025 | 4.40% | 1.18% | 3.28% | 5.64% | 1.95% |
| Q1 2026 | 4.32% | 1.12% | 3.24% | 5.55% | 1.94% |
| Q2 2026 | 4.44% | 1.15% | 3.33% | 5.68% | 1.94% |
Auburnbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburnbank, 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 Auburnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35) · FFIEC NIC profile (RSSD 749635)