Bank of Dickson: 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, Yield on securities rose 0.25 percentage points in Q2 2026 to 2.43%, the biggest move on this page. Bank of Dickson ranks 94th of 109 Tennessee banks on net interest margin, in the lower half at 3.36% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Dickson sits 0.59 points lower, at 3.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.47% |
| Yield on loans | 5.71% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.64% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $797K |
| Interest expense on deposits | $797K |
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 | 3.51% | 1.19% | 2.43% | 4.63% | 1.82% |
| Q4 2023 | 3.88% | 1.32% | 2.68% | 5.24% | 1.82% |
| Q1 2024 | 3.69% | 1.25% | 2.56% | 4.90% | 1.83% |
| Q2 2024 | 3.82% | 1.24% | 2.69% | 5.05% | 1.82% |
| Q3 2024 | 4.03% | 1.26% | 2.89% | 5.36% | 1.81% |
| Q4 2024 | 4.07% | 1.21% | 2.98% | 5.42% | 1.83% |
| Q1 2025 | 3.98% | 1.23% | 2.87% | 5.31% | 1.82% |
| Q2 2025 | 4.30% | 1.23% | 3.19% | 5.69% | 1.93% |
| Q3 2025 | 4.18% | 1.25% | 3.06% | 5.50% | 2.01% |
| Q4 2025 | 4.37% | 1.26% | 3.24% | 5.68% | 2.10% |
| Q1 2026 | 4.51% | 1.24% | 3.39% | 5.89% | 2.18% |
| Q2 2026 | 4.47% | 1.24% | 3.36% | 5.71% | 2.43% |
Bank of Dickson 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 Dickson, 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 Dickson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17327) · FFIEC NIC profile (RSSD 638131)