Bankokolona: 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.4% between Q1 2026 and Q2 2026, to $1.8M. Within Mississippi, Bankokolona is 32nd of 57 on net interest margin, 3.87% as of Q2 2026, below the middle of the field. At 3.87%, Bankokolona's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 7.08% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.92% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.07% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 6.15% | 2.53% | 3.87% | 8.15% | 2.91% |
| Q4 2023 | 5.25% | 2.23% | 3.08% | 6.42% | 2.92% |
| Q1 2024 | 5.38% | 2.55% | 3.00% | 6.40% | 2.96% |
| Q2 2024 | 5.68% | 2.74% | 3.09% | 6.65% | 3.26% |
| Q3 2024 | 5.84% | 2.93% | 3.12% | 6.84% | 3.19% |
| Q4 2024 | 5.70% | 2.91% | 2.94% | 6.66% | 3.16% |
| Q1 2025 | 5.64% | 2.74% | 3.03% | 6.74% | 3.10% |
| Q2 2025 | 5.74% | 2.72% | 3.14% | 6.76% | 3.18% |
| Q3 2025 | 6.06% | 2.61% | 3.58% | 6.97% | 3.88% |
| Q4 2025 | 5.87% | 2.47% | 3.54% | 6.95% | 2.92% |
| Q1 2026 | 5.96% | 2.26% | 3.84% | 7.12% | 3.09% |
| Q2 2026 | 6.00% | 2.28% | 3.87% | 7.08% | 3.19% |
Bankokolona yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankokolona, 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 Bankokolona profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5902) · FFIEC NIC profile (RSSD 919344)