Bank of Evergreen: 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 0.17 percentage points to 3.68%. Within Alabama, Bank of Evergreen is 58th of 93 on net interest margin, 3.68% as of Q2 2026, below the middle of the field. Bank of Evergreen reported 3.68% on net interest margin for Q2 2026, 0.21 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.79% |
| Yield on loans | 7.06% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.81% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.68% |
| Yield to cost spread | 2.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $542K |
| Total interest expense | $208K |
| Interest expense on deposits | $203K |
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 | 3.60% | 0.77% | 2.93% | 6.38% | 2.59% |
| Q4 2023 | 3.75% | 1.05% | 2.81% | 6.68% | 2.58% |
| Q1 2024 | 3.96% | 1.21% | 2.79% | 6.92% | 2.57% |
| Q2 2024 | 4.09% | 1.33% | 2.85% | 6.88% | 2.54% |
| Q3 2024 | 4.12% | 1.53% | 2.80% | 7.20% | 2.23% |
| Q4 2024 | 4.82% | 1.52% | 3.37% | 7.28% | 2.90% |
| Q1 2025 | 4.62% | 1.37% | 3.38% | 7.40% | 2.63% |
| Q2 2025 | 4.68% | 1.40% | 3.38% | 7.13% | 2.79% |
| Q3 2025 | 4.87% | 1.39% | 3.57% | 7.37% | 2.81% |
| Q4 2025 | 4.60% | 1.37% | 3.34% | 7.24% | 3.02% |
| Q1 2026 | 4.72% | 1.29% | 3.51% | 7.04% | 3.26% |
| Q2 2026 | 4.79% | 1.23% | 3.68% | 7.06% | 3.52% |
Bank of Evergreen 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 Evergreen, 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 Evergreen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 49) · FFIEC NIC profile (RSSD 560438)