Bank of Yazoo City: 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 0.28 percentage points from Q1 2026 to Q2 2026, ending at 3.54% against 3.26%. It was the largest change among the key lines on this page. Within Mississippi, Bank of Yazoo City is 43rd of 57 on net interest margin, 3.54% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Yazoo City sits 0.41 points lower, at 3.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.81% |
| Yield on loans | 6.32% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 1.87% |
| Cost of interest-bearing liabilities | 1.87% |
| Cost of borrowings | 6.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $967K |
| Interest expense on deposits | $963K |
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 | 3.57% | 1.56% | 2.07% | 5.45% | 1.55% |
| Q4 2023 | 3.66% | 1.70% | 2.07% | 5.59% | 1.53% |
| Q1 2024 | 3.64% | 1.72% | 2.04% | 5.75% | 1.42% |
| Q2 2024 | 3.93% | 1.74% | 2.27% | 5.83% | 1.73% |
| Q3 2024 | 4.02% | 1.85% | 2.26% | 6.05% | 1.77% |
| Q4 2024 | 4.12% | 1.83% | 2.39% | 6.07% | 1.86% |
| Q1 2025 | 4.12% | 1.73% | 2.48% | 6.09% | 1.91% |
| Q2 2025 | 4.40% | 1.74% | 2.76% | 6.26% | 2.02% |
| Q3 2025 | 4.51% | 1.61% | 2.99% | 6.36% | 2.15% |
| Q4 2025 | 4.53% | 1.47% | 3.16% | 6.30% | 2.14% |
| Q1 2026 | 4.52% | 1.33% | 3.26% | 6.17% | 2.41% |
| Q2 2026 | 4.81% | 1.36% | 3.54% | 6.32% | 2.70% |
Bank of Yazoo City 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 Yazoo City, 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 Yazoo City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11431) · FFIEC NIC profile (RSSD 118736)