Bank of Brewton: 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.18 percentage points to 4.21%. Bank of Brewton ranks 30th of 93 Alabama banks on net interest margin, in the upper half at 4.21% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Bank of Brewton sits 0.32 points higher, at 4.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.69% |
| Yield on loans | 7.76% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.58% |
| Cost of interest-bearing deposits | 0.97% |
| Cost of interest-bearing liabilities | 0.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.72% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $287K |
| Total interest expense | $59K |
| Interest expense on deposits | $59K |
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 | 5.19% | 0.96% | 4.31% | 7.77% | 3.34% |
| Q4 2023 | 4.90% | 1.21% | 3.79% | 7.88% | 2.51% |
| Q1 2024 | 5.02% | 0.87% | 4.29% | 7.86% | 3.12% |
| Q2 2024 | 4.49% | 0.76% | 3.86% | 7.80% | 2.20% |
| Q3 2024 | 5.32% | 0.76% | 4.66% | 9.70% | 2.68% |
| Q4 2024 | 4.61% | 0.70% | 4.04% | 7.63% | 2.44% |
| Q1 2025 | 4.63% | 0.76% | 4.00% | 7.41% | 2.79% |
| Q2 2025 | 4.55% | 0.81% | 3.88% | 7.58% | 2.42% |
| Q3 2025 | 5.00% | 0.80% | 4.34% | 7.76% | 3.11% |
| Q4 2025 | 5.06% | 0.83% | 4.38% | 8.21% | 2.96% |
| Q1 2026 | 4.95% | 0.66% | 4.39% | 8.02% | 3.15% |
| Q2 2026 | 4.69% | 0.58% | 4.21% | 7.76% | 3.27% |
Bank of Brewton 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 Brewton, 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 Brewton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5605) · FFIEC NIC profile (RSSD 351131)