The Bank of Holly Springs: 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 0.08 percentage points between Q1 2026 and Q2 2026, to 4.01%. Within Mississippi, The Bank of Holly Springs is 25th of 57 on net interest margin, 4.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Bank of Holly Springs reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 7.01% |
| Yield on securities | 3.73% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.47% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.17% |
| Cost of borrowings | 5.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $3.1M |
| Interest expense on deposits | $3.0M |
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 | 6.09% | 2.52% | 3.84% | 6.34% | 3.49% |
| Q4 2023 | 6.66% | 2.55% | 4.36% | 6.90% | 3.90% |
| Q1 2024 | 6.60% | 2.75% | 4.08% | 6.89% | 3.94% |
| Q2 2024 | 6.82% | 2.80% | 4.24% | 7.27% | 2.91% |
| Q3 2024 | 6.81% | 2.85% | 4.21% | 7.23% | 4.35% |
| Q4 2024 | 7.04% | 2.90% | 4.39% | 7.42% | 5.88% |
| Q1 2025 | 6.52% | 2.71% | 4.07% | 7.21% | 3.12% |
| Q2 2025 | 6.58% | 2.65% | 4.22% | 7.28% | 3.54% |
| Q3 2025 | 6.59% | 2.63% | 4.29% | 7.22% | 3.70% |
| Q4 2025 | 6.56% | 2.48% | 4.36% | 7.18% | 3.74% |
| Q1 2026 | 6.35% | 2.48% | 4.09% | 7.05% | 3.74% |
| Q2 2026 | 6.27% | 2.47% | 4.01% | 7.01% | 3.73% |
The Bank of Holly Springs yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holly Springs, 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 The Bank of Holly Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8232) · FFIEC NIC profile (RSSD 835743)