Bank of 1889: 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 Q3 2026, Net interest margin edged down by 0.07 percentage points, from 6.02% to 5.95%, the largest move among the key lines here. As of Q3 2026, Bank of 1889 ranks first in Arkansas on net interest margin among 78 banks, at 5.95%. Against a median of 3.95% for banks in the $100M-1B asset tier, Bank of 1889 reported 5.95% on net interest margin in Q3 2026, 2.00 points higher; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 7.56% |
| Yield on securities | 3.83% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.01% |
| Cost of interest-bearing deposits | 1.21% |
| Cost of interest-bearing liabilities | 1.21% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 5.95% |
| Yield to cost spread | 5.67% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $759K |
| Interest expense on deposits | $759K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 6.58% | 0.84% | 5.80% | 7.41% | 3.04% |
| Q1 2024 | 6.82% | 0.88% | 5.99% | 7.42% | 3.45% |
| Q2 2024 | 7.18% | 0.94% | 6.30% | 7.55% | 5.19% |
| Q3 2024 | 7.31% | 1.03% | 6.35% | 7.69% | 5.11% |
| Q4 2024 | 7.24% | 1.04% | 6.27% | 7.68% | 4.91% |
| Q1 2025 | 7.15% | 1.03% | 6.19% | 7.57% | 4.26% |
| Q2 2025 | 7.24% | 1.04% | 6.28% | 7.64% | 4.15% |
| Q3 2025 | 7.34% | 1.04% | 6.38% | 7.81% | 4.15% |
| Q4 2025 | 7.17% | 1.02% | 6.23% | 7.81% | 3.96% |
| Q1 2026 | 6.82% | 0.98% | 5.91% | 7.47% | 3.77% |
| Q2 2026 | 6.93% | 0.98% | 6.02% | 7.62% | 3.78% |
| Q3 2026 | 6.88% | 1.01% | 5.95% | 7.56% | 3.83% |
Bank of 1889 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of 1889, 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 Bank of 1889 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3854) · FFIEC NIC profile (RSSD 864846)