Bank of Bearden: 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: Yield on securities edged up 0.24 percentage points between Q1 2026 and Q2 2026, to 4.25%. Within Arkansas, Bank of Bearden is 23rd of 78 on net interest margin, 4.34% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Bank of Bearden sits 0.45 points higher, at 4.34% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 5.68% |
| Yield on securities | 4.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.60% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.34% |
| Yield to cost spread | 3.35% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $431K |
| Total interest expense | $87K |
| Interest expense on deposits | $87K |
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 | 4.90% | 0.42% | 4.52% | 5.89% | 2.81% |
| Q4 2023 | 5.37% | 0.61% | 4.78% | 5.93% | 4.46% |
| Q1 2024 | 4.86% | 0.67% | 4.23% | 5.97% | 3.49% |
| Q2 2024 | 4.98% | 0.64% | 4.39% | 6.13% | 3.63% |
| Q3 2024 | 4.95% | 0.68% | 4.34% | 6.20% | 3.72% |
| Q4 2024 | 5.15% | 0.73% | 4.48% | 6.12% | 4.04% |
| Q1 2025 | 4.84% | 0.75% | 4.16% | 5.81% | 3.54% |
| Q2 2025 | 4.98% | 0.72% | 4.32% | 5.97% | 3.56% |
| Q3 2025 | 5.03% | 0.72% | 4.36% | 6.00% | 3.67% |
| Q4 2025 | 4.95% | 0.69% | 4.28% | 5.88% | 3.52% |
| Q1 2026 | 4.81% | 0.62% | 4.23% | 5.52% | 4.01% |
| Q2 2026 | 4.90% | 0.60% | 4.34% | 5.68% | 4.25% |
Bank of Bearden 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 Bearden, 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 Bearden profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16282) · FFIEC NIC profile (RSSD 311144)