Bank of Forest: 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 3.76%. Within Mississippi, Bank of Forest is 37th of 57 on net interest margin, 3.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Forest sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.58% |
| Yield on loans | 7.55% |
| Yield on securities | 2.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.06% |
| Cost of interest-bearing deposits | 2.33% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.64% | 1.52% | 3.22% | 6.32% | 1.97% |
| Q4 2023 | 4.99% | 1.84% | 3.28% | 6.79% | 2.00% |
| Q1 2024 | 4.88% | 1.90% | 3.10% | 6.94% | 1.98% |
| Q2 2024 | 5.23% | 2.04% | 3.23% | 7.08% | 1.96% |
| Q3 2024 | 5.43% | 2.11% | 3.46% | 7.37% | 2.03% |
| Q4 2024 | 5.49% | 2.66% | 3.02% | 7.48% | 2.10% |
| Q1 2025 | 5.33% | 2.32% | 3.18% | 7.36% | 2.13% |
| Q2 2025 | 5.58% | 2.02% | 3.69% | 7.46% | 2.13% |
| Q3 2025 | 5.69% | 2.06% | 3.75% | 7.51% | 2.14% |
| Q4 2025 | 5.80% | 2.03% | 3.90% | 7.52% | 2.08% |
| Q1 2026 | 5.47% | 2.15% | 3.57% | 7.24% | 2.23% |
| Q2 2026 | 5.58% | 2.06% | 3.76% | 7.55% | 2.42% |
Bank of Forest 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 Forest, 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 Forest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 898) · FFIEC NIC profile (RSSD 642437)