Bank47: 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 Yield on securities, which fell 0.37 percentage points to 1.94%. On net interest margin, Bank47 is 9th from the bottom among 93 Alabama banks, 2.99% (Q2 2026). Bank47 reported 2.99% on net interest margin for Q2 2026, 0.90 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.08% |
| Yield on loans | 6.52% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.99% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $936K |
| Total interest expense | $479K |
| Interest expense on deposits | $478K |
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 | 5.30% | 0.66% | 4.65% | 8.73% | 2.63% |
| Q4 2023 | 4.74% | 0.93% | 3.75% | 7.64% | 1.88% |
| Q1 2024 | 4.52% | 0.99% | 3.68% | 7.68% | 1.89% |
| Q2 2024 | 4.66% | 1.08% | 3.78% | 7.32% | 1.93% |
| Q3 2024 | 4.37% | 1.10% | 3.45% | 6.83% | 1.88% |
| Q4 2024 | 4.72% | 1.39% | 3.56% | 7.13% | 1.90% |
| Q1 2025 | 4.48% | 1.38% | 3.30% | 6.73% | 1.96% |
| Q2 2025 | 4.97% | 1.49% | 3.69% | 7.06% | 1.96% |
| Q3 2025 | 4.82% | 1.62% | 3.37% | 6.76% | 1.95% |
| Q4 2025 | 4.86% | 1.92% | 3.14% | 6.77% | 1.95% |
| Q1 2026 | 4.90% | 2.13% | 2.90% | 6.56% | 2.31% |
| Q2 2026 | 5.08% | 2.35% | 2.99% | 6.52% | 1.94% |
Bank47 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank47, 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 Bank47 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32968) · FFIEC NIC profile (RSSD 1474309)