Bank of Gleason: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.12 percentage points between Q1 2026 and Q2 2026, to 3.84%. Bank of Gleason ranks 62nd of 109 Tennessee banks on net interest margin, in the lower half at 3.84% (Q2 2026). At 3.84%, Bank of Gleason's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 7.68% |
| Yield on securities | 2.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.79% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $617K |
| Interest expense on deposits | $617K |
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 | 4.71% | 1.94% | 3.14% | 6.57% | 2.55% |
| Q4 2023 | 4.84% | 2.23% | 3.06% | 6.82% | 2.55% |
| Q1 2024 | 5.03% | 2.32% | 3.14% | 7.09% | 2.57% |
| Q2 2024 | 5.13% | 2.49% | 3.11% | 7.20% | 2.60% |
| Q3 2024 | 5.28% | 2.61% | 3.17% | 7.46% | 2.62% |
| Q4 2024 | 5.37% | 2.51% | 3.35% | 7.57% | 2.62% |
| Q1 2025 | 5.28% | 2.38% | 3.35% | 7.38% | 2.62% |
| Q2 2025 | 5.40% | 2.31% | 3.53% | 7.55% | 2.63% |
| Q3 2025 | 5.44% | 2.38% | 3.50% | 7.62% | 2.66% |
| Q4 2025 | 5.47% | 2.34% | 3.57% | 7.65% | 2.74% |
| Q1 2026 | 5.52% | 2.20% | 3.72% | 7.57% | 2.77% |
| Q2 2026 | 5.63% | 2.21% | 3.84% | 7.68% | 2.77% |
Bank of Gleason 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 Gleason, 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 Gleason profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2379) · FFIEC NIC profile (RSSD 141958)