The Bank of Milan: 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 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.50% against 3.31%. It was the largest change among the key lines on this page. Within Tennessee, The Bank of Milan is 88th of 109 on net interest margin, 3.50% as of Q2 2026, below the middle of the field. The Bank of Milan reported 3.50% on net interest margin for Q2 2026, 0.45 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 6.19% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.28% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.64% |
| Cost of borrowings | 0.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.50% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $928K |
| Total interest expense | $314K |
| Interest expense on deposits | $307K |
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 | 4.41% | 1.48% | 2.97% | 5.73% | 2.08% |
| Q4 2023 | 4.52% | 1.71% | 2.87% | 5.83% | 2.15% |
| Q1 2024 | 4.53% | 1.74% | 2.84% | 5.82% | 2.12% |
| Q2 2024 | 4.60% | 1.82% | 2.84% | 5.98% | 2.13% |
| Q3 2024 | 4.75% | 1.92% | 2.93% | 6.22% | 2.18% |
| Q4 2024 | 4.76% | 1.84% | 3.05% | 6.31% | 2.14% |
| Q1 2025 | 4.65% | 1.88% | 2.98% | 6.17% | 2.25% |
| Q2 2025 | 4.75% | 1.74% | 3.07% | 6.37% | 2.24% |
| Q3 2025 | 4.84% | 1.76% | 3.13% | 6.44% | 2.32% |
| Q4 2025 | 4.65% | 1.63% | 3.07% | 6.26% | 2.36% |
| Q1 2026 | 4.63% | 1.31% | 3.31% | 6.24% | 2.41% |
| Q2 2026 | 4.77% | 1.28% | 3.50% | 6.19% | 2.45% |
The Bank of Milan 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 Milan, 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 Milan profile, peer group comparison, or how this data updates.
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