Bank of Moundville: 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: Yield on loans edged down 0.22 percentage points between Q1 2026 and Q2 2026, to 6.23%. On net interest margin, Bank of Moundville is 5th from the bottom among 93 Alabama banks, 2.62% (Q2 2026). Bank of Moundville reported 2.62% on net interest margin for Q2 2026, 1.33 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.39% |
| Yield on loans | 6.23% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.48% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.62% |
| Yield to cost spread | 1.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $898K |
| Total interest expense | $604K |
| Interest expense on deposits | $604K |
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 | 3.68% | 1.86% | 1.94% | 5.65% | 2.42% |
| Q4 2023 | 4.06% | 1.69% | 2.52% | 5.98% | 2.55% |
| Q1 2024 | 4.02% | 1.73% | 2.39% | 6.15% | 2.37% |
| Q2 2024 | 4.10% | 1.83% | 2.46% | 6.08% | 2.35% |
| Q3 2024 | 4.32% | 1.90% | 2.58% | 6.47% | 2.34% |
| Q4 2024 | 4.52% | 2.00% | 2.69% | 6.63% | 2.36% |
| Q1 2025 | 4.36% | 1.95% | 2.60% | 6.48% | 2.31% |
| Q2 2025 | 4.45% | 1.99% | 2.66% | 6.53% | 2.36% |
| Q3 2025 | 4.50% | 2.03% | 2.64% | 6.68% | 2.51% |
| Q4 2025 | 4.45% | 1.97% | 2.65% | 6.50% | 2.61% |
| Q1 2026 | 4.44% | 1.91% | 2.66% | 6.45% | 2.69% |
| Q2 2026 | 4.39% | 1.95% | 2.62% | 6.23% | 2.84% |
Bank of Moundville 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 Moundville, 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 Moundville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9057) · FFIEC NIC profile (RSSD 586335)