Bank of Bartlett: 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, Total interest expense fell 5.8% in Q2 2026 to $2.0M, the biggest move on this page. Within Tennessee, Bank of Bartlett is 70th of 109 on net interest margin, 3.72% as of Q2 2026, below the middle of the field. Bank of Bartlett reported 3.72% on net interest margin for Q2 2026, 0.23 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.21% |
| Yield on loans | 6.38% |
| Yield on securities | 1.98% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | 2.62% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.72% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $1.6M |
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 | 4.41% | 1.58% | 2.86% | 5.76% | 2.20% |
| Q4 2023 | 4.67% | 1.80% | 2.94% | 5.97% | 2.36% |
| Q1 2024 | 4.73% | 1.79% | 3.00% | 6.02% | 2.37% |
| Q2 2024 | 4.89% | 1.84% | 3.08% | 6.18% | 2.43% |
| Q3 2024 | 4.97% | 1.88% | 3.14% | 6.29% | 2.37% |
| Q4 2024 | 4.99% | 1.73% | 3.33% | 6.24% | 2.32% |
| Q1 2025 | 4.94% | 1.68% | 3.31% | 6.22% | 2.13% |
| Q2 2025 | 5.05% | 1.76% | 3.34% | 6.29% | 2.18% |
| Q3 2025 | 5.22% | 1.75% | 3.53% | 6.50% | 2.21% |
| Q4 2025 | 5.23% | 1.64% | 3.65% | 6.47% | 2.06% |
| Q1 2026 | 5.18% | 1.61% | 3.62% | 6.41% | 2.00% |
| Q2 2026 | 5.21% | 1.55% | 3.72% | 6.38% | 1.98% |
Bank of Bartlett 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 Bartlett, 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 Bartlett profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23123) · FFIEC NIC profile (RSSD 225559)