Bank of Tennessee: 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 standout move of Q2 2026 was in Total interest expense: 12.1% higher than in Q1 2026, at $8.9M. Bank of Tennessee ranks 39th of 109 Tennessee banks on net interest margin, in the upper half at 4.18% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bank of Tennessee sits 0.47 points higher, at 4.18% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.37% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.67% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.18% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.7M |
| Total interest expense | $8.9M |
| Interest expense on deposits | $7.5M |
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 | 4.81% | 1.59% | 3.30% | 5.23% | 2.24% |
| Q4 2023 | 5.06% | 1.87% | 3.29% | 5.48% | 2.33% |
| Q1 2024 | 5.08% | 1.96% | 3.21% | 5.49% | 2.43% |
| Q2 2024 | 5.22% | 2.03% | 3.29% | 5.65% | 2.50% |
| Q3 2024 | 5.28% | 2.09% | 3.29% | 5.70% | 2.52% |
| Q4 2024 | 5.54% | 1.86% | 3.72% | 5.97% | 2.58% |
| Q1 2025 | 5.34% | 1.85% | 3.56% | 5.75% | 2.71% |
| Q2 2025 | 5.48% | 1.81% | 3.76% | 5.90% | 2.84% |
| Q3 2025 | 5.64% | 1.82% | 3.91% | 6.12% | 2.98% |
| Q4 2025 | 5.84% | 1.71% | 4.22% | 6.36% | 3.13% |
| Q1 2026 | 5.73% | 1.69% | 4.12% | 6.17% | 3.18% |
| Q2 2026 | 5.91% | 1.81% | 4.18% | 6.37% | 3.27% |
Bank of Tennessee 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 Tennessee, 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21573) · FFIEC NIC profile (RSSD 340135)