Bank of Lincoln County: 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: Cost of interest-bearing deposits edged up 0.23 percentage points between Q1 2026 and Q2 2026, to 2.57%. On net interest margin, Bank of Lincoln County ranks 7th highest among the 109 banks headquartered in Tennessee, at 5.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Lincoln County sits 1.35 points higher, at 5.30% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.94% |
| Yield on loans | 7.89% |
| Yield on securities | 3.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.69% |
| Cost of interest-bearing deposits | 2.57% |
| Cost of interest-bearing liabilities | 2.57% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.30% |
| Yield to cost spread | 4.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $907K |
| Interest expense on deposits | $907K |
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 | 6.40% | 1.59% | 4.90% | 6.98% | 2.68% |
| Q4 2023 | 6.52% | 1.91% | 4.75% | 7.17% | 2.53% |
| Q1 2024 | 6.56% | 1.79% | 4.77% | 7.28% | 2.53% |
| Q2 2024 | 6.76% | 1.84% | 4.77% | 7.37% | 2.56% |
| Q3 2024 | 6.84% | 1.80% | 4.74% | 7.54% | 2.50% |
| Q4 2024 | 6.91% | 2.04% | 4.84% | 7.61% | 2.50% |
| Q1 2025 | 6.67% | 1.83% | 4.76% | 7.46% | 2.21% |
| Q2 2025 | 6.80% | 1.82% | 4.88% | 7.56% | 2.78% |
| Q3 2025 | 6.81% | 1.77% | 4.99% | 7.71% | 2.98% |
| Q4 2025 | 6.90% | 1.74% | 5.21% | 7.86% | 3.27% |
| Q1 2026 | 6.86% | 1.83% | 5.20% | 7.77% | 3.23% |
| Q2 2026 | 6.94% | 1.69% | 5.30% | 7.89% | 3.35% |
Bank of Lincoln County 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 Lincoln County, 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 Lincoln County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57396) · FFIEC NIC profile (RSSD 3128923)