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.
Net interest margin rose 0.14 percentage points from Q1 2026 to Q2 2026, ending at 3.34% against 3.20%. It was the largest change among the key lines on this page. Within Tennessee, Bank of Halls is 95th of 109 on net interest margin, 3.34% as of Q2 2026, below the middle of the field. Bank of Halls reported 3.34% on net interest margin for Q2 2026, 0.61 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.34% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $948K |
| Total interest expense | $550K |
| Interest expense on deposits | $550K |
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 |
|---|---|---|---|
| Q3 2023 | 4.50% | 1.35% | 3.19% |
| Q4 2023 | 4.79% | 2.03% | 3.23% |
| Q1 2024 | 4.83% | 1.72% | 3.18% |
| Q2 2024 | 5.00% | 1.72% | 3.33% |
| Q3 2024 | 4.99% | 1.84% | 3.22% |
| Q4 2024 | 4.98% | 1.80% | 3.24% |
| Q1 2025 | 4.71% | 1.70% | 3.06% |
| Q2 2025 | 5.54% | 1.77% | 3.80% |
| Q3 2025 | 5.17% | 1.87% | 3.35% |
| Q4 2025 | 5.08% | 1.85% | 3.31% |
| Q1 2026 | 4.82% | 1.70% | 3.20% |
| Q2 2026 | 5.02% | 1.78% | 3.34% |
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)