Bank of Walker 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 largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing liabilities, which fell 0.26 percentage points to 2.33%. Among 93 Alabama banks, Bank of Walker County sits 8th from the top on net interest margin, 5.19% as of Q2 2026. Bank of Walker County reported 5.19% on net interest margin for Q2 2026, 1.31 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.28% |
| Yield on loans | 7.06% |
| Yield on securities | 3.42% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.19% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $257K |
| Interest expense on deposits | $270K |
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 | 5.49% | 0.80% | 4.69% | 6.05% | 3.12% |
| Q4 2023 | 5.67% | 0.88% | 4.82% | 6.27% | 2.72% |
| Q1 2024 | 5.80% | 1.18% | 4.70% | 6.43% | 2.95% |
| Q2 2024 | 6.01% | 1.33% | 4.77% | 6.49% | 3.21% |
| Q3 2024 | 6.23% | 1.37% | 4.95% | 6.78% | 3.68% |
| Q4 2024 | 6.23% | 1.50% | 4.89% | 6.98% | 3.85% |
| Q1 2025 | 6.18% | 1.40% | 4.87% | 6.98% | 3.46% |
| Q2 2025 | 6.34% | 1.27% | 5.13% | 6.98% | 3.60% |
| Q3 2025 | 6.45% | 1.31% | 5.20% | 7.05% | 3.98% |
| Q4 2025 | 6.48% | 1.26% | 5.27% | 7.19% | 3.77% |
| Q1 2026 | 6.35% | 1.28% | 5.12% | 7.08% | 3.33% |
| Q2 2026 | 6.28% | 1.15% | 5.19% | 7.06% | 3.42% |
Bank of Walker 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 Walker 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 Walker County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57640) · FFIEC NIC profile (RSSD 3254297)