Bank of Delight: 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 0.19 percentage points to 4.17%. Within Arkansas, Bank of Delight is 33rd of 78 on net interest margin, 4.17% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Delight sits 0.22 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.47% |
| Yield on loans | 6.78% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| 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 | 6.16% | 2.07% | 4.35% | 6.55% | 3.73% |
| Q4 2023 | 6.41% | 2.27% | 4.41% | 6.82% | 3.78% |
| Q1 2024 | 6.45% | 2.37% | 4.35% | 6.74% | 3.77% |
| Q2 2024 | 6.70% | 2.39% | 4.54% | 7.02% | 3.89% |
| Q3 2024 | 6.84% | 2.61% | 4.57% | 7.18% | 3.97% |
| Q4 2024 | 6.69% | 2.65% | 4.39% | 7.07% | 3.82% |
| Q1 2025 | 6.52% | 2.61% | 4.24% | 6.88% | 3.77% |
| Q2 2025 | 6.68% | 2.70% | 4.35% | 6.99% | 3.89% |
| Q3 2025 | 6.62% | 2.71% | 4.27% | 6.79% | 3.62% |
| Q4 2025 | 6.87% | 2.67% | 4.55% | 7.16% | 3.44% |
| Q1 2026 | 6.24% | 2.61% | 3.98% | 6.63% | 3.63% |
| Q2 2026 | 6.47% | 2.63% | 4.17% | 6.78% | 3.52% |
Bank of Delight 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 Delight, 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 Delight profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 99) · FFIEC NIC profile (RSSD 455945)