Bank of Crockett: 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 rose 0.22 percentage points to 4.22%. Bank of Crockett ranks 35th of 109 Tennessee banks on net interest margin, in the upper half at 4.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Crockett sits 0.27 points higher, at 4.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 6.80% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.08% |
| Cost of interest-bearing liabilities | 2.09% |
| Cost of borrowings | 3.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.08% | 1.86% | 4.32% | 7.32% | 3.81% |
| Q4 2023 | 4.90% | 1.49% | 3.49% | 6.51% | 2.40% |
| Q1 2024 | 4.93% | 1.60% | 3.40% | 6.54% | 2.53% |
| Q2 2024 | 5.22% | 1.78% | 3.53% | 6.80% | 2.44% |
| Q3 2024 | 5.31% | 1.88% | 3.48% | 6.90% | 2.40% |
| Q4 2024 | 5.30% | 1.87% | 3.55% | 6.87% | 2.30% |
| Q1 2025 | 5.25% | 1.80% | 3.56% | 6.79% | 2.34% |
| Q2 2025 | 5.53% | 1.82% | 3.82% | 6.86% | 2.42% |
| Q3 2025 | 5.50% | 1.90% | 3.80% | 6.93% | 2.37% |
| Q4 2025 | 5.64% | 1.92% | 3.88% | 6.85% | 2.95% |
| Q1 2026 | 5.61% | 1.71% | 4.00% | 6.77% | 3.10% |
| Q2 2026 | 5.78% | 1.66% | 4.22% | 6.80% | 3.20% |
Bank of Crockett 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 Crockett, 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 Crockett profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1468) · FFIEC NIC profile (RSSD 324854)