Bank of Franklin: 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 standout move of Q2 2026 was in Total interest expense: 18.0% higher than in Q1 2026, at $1.4M. Bank of Franklin ranks 14th of 57 Mississippi banks on net interest margin, in the upper half at 4.44% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Franklin sits 0.49 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.48% |
| Yield on loans | 7.25% |
| Yield on securities | 4.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.68% | 1.73% | 4.10% | 6.91% | 2.42% |
| Q4 2023 | 6.01% | 1.92% | 4.23% | 7.07% | 2.60% |
| Q1 2024 | 6.36% | 2.08% | 4.43% | 7.20% | 4.05% |
| Q2 2024 | 6.33% | 2.16% | 4.33% | 7.28% | 3.78% |
| Q3 2024 | 6.56% | 2.31% | 4.47% | 7.44% | 4.02% |
| Q4 2024 | 6.64% | 2.25% | 4.61% | 7.57% | 3.97% |
| Q1 2025 | 6.53% | 2.13% | 4.61% | 7.43% | 3.99% |
| Q2 2025 | 6.59% | 2.15% | 4.62% | 7.44% | 4.02% |
| Q3 2025 | 6.92% | 2.22% | 4.85% | 7.75% | 4.02% |
| Q4 2025 | 6.49% | 2.22% | 4.45% | 7.32% | 3.95% |
| Q1 2026 | 6.57% | 2.12% | 4.61% | 7.21% | 3.92% |
| Q2 2026 | 6.48% | 2.19% | 4.44% | 7.25% | 4.13% |
Bank of Franklin 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 Franklin, 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 Franklin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10594) · FFIEC NIC profile (RSSD 68831)