Bank of Salem: 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 0.34 percentage points from Q1 2026 to Q2 2026, ending at 4.95% against 4.61%. It was the largest change among the key lines on this page. On net interest margin, Bank of Salem ranks 7th highest among the 78 banks headquartered in Arkansas, at 4.95% (Q2 2026). Bank of Salem reported 4.95% on net interest margin for Q2 2026, 1.00 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.08% |
| Yield on loans | 8.02% |
| Yield on securities | 2.43% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.34% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.95% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.87% | 1.78% | 4.20% | 6.83% | 1.35% |
| Q4 2023 | 6.17% | 1.97% | 4.33% | 7.15% | 1.38% |
| Q1 2024 | 6.92% | 2.12% | 4.92% | 8.01% | 1.41% |
| Q2 2024 | 6.55% | 2.37% | 4.32% | 7.47% | 1.32% |
| Q3 2024 | 12.69% | 5.32% | 7.76% | 14.62% | 2.60% |
| Q4 2024 | 6.97% | 2.74% | 4.46% | 7.81% | 1.34% |
| Q1 2025 | 6.85% | 2.59% | 4.46% | 7.57% | 1.56% |
| Q2 2025 | 7.02% | 2.54% | 4.69% | 7.77% | 1.56% |
| Q3 2025 | 6.91% | 2.51% | 4.59% | 7.59% | 1.59% |
| Q4 2025 | 6.92% | 2.52% | 4.60% | 7.69% | 1.63% |
| Q1 2026 | 6.79% | 2.37% | 4.61% | 7.65% | 1.85% |
| Q2 2026 | 7.08% | 2.34% | 4.95% | 8.02% | 2.43% |
Bank of Salem 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 Salem, 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 Salem profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11243) · FFIEC NIC profile (RSSD 931047)