Bank of Halls: 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 down 0.12 percentage points between Q2 2026 and Q3 2026, to 3.22%. Within Tennessee, Bank of Halls is 95th of 109 on net interest margin, 3.34% as of Q3 2026, below the middle of the field. Bank of Halls reported 3.22% on net interest margin for Q3 2026, 0.73 points below the 3.95% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.13% |
| Yield on loans | 6.29% |
| Yield on securities | 4.16% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.22% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $622K |
| Interest expense on deposits | $622K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 4.79% | 2.03% | 3.23% | 5.96% | 3.27% |
| Q1 2024 | 4.83% | 1.72% | 3.18% | 6.23% | 3.58% |
| Q2 2024 | 5.00% | 1.72% | 3.33% | 6.12% | 3.41% |
| Q3 2024 | 4.99% | 1.84% | 3.22% | 6.39% | 3.36% |
| Q4 2024 | 4.98% | 1.80% | 3.24% | 6.24% | 3.29% |
| Q1 2025 | 4.71% | 1.70% | 3.06% | 6.17% | 3.33% |
| Q2 2025 | 5.54% | 1.77% | 3.80% | 7.49% | 3.54% |
| Q3 2025 | 5.17% | 1.87% | 3.35% | 6.62% | 3.77% |
| Q4 2025 | 5.08% | 1.85% | 3.31% | 6.45% | 3.86% |
| Q1 2026 | 4.82% | 1.70% | 3.20% | 6.21% | 3.92% |
| Q2 2026 | 5.02% | 1.78% | 3.34% | 6.21% | 3.98% |
| Q3 2026 | 5.13% | 1.99% | 3.22% | 6.29% | 4.16% |
Bank of Halls 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 Halls, 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 Halls profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10315) · FFIEC NIC profile (RSSD 145059)