BankPlus: 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 Total interest expense, which rose 2.7% to $38.2M. Within Mississippi, BankPlus is 33rd of 57 on net interest margin, 3.82% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; BankPlus reported 3.82% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.77% |
| Yield on loans | 6.16% |
| Yield on securities | 4.12% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.11% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.82% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $98.0M |
| Total interest expense | $38.2M |
| Interest expense on deposits | $37.9M |
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 | 5.39% | 2.17% | 3.32% | 5.82% | 2.55% |
| Q4 2023 | 5.55% | 2.33% | 3.36% | 5.99% | 2.74% |
| Q1 2024 | 5.58% | 2.46% | 3.25% | 6.00% | 2.97% |
| Q2 2024 | 5.73% | 2.58% | 3.31% | 6.14% | 3.06% |
| Q3 2024 | 5.87% | 2.66% | 3.36% | 6.35% | 3.11% |
| Q4 2024 | 5.76% | 2.56% | 3.37% | 6.23% | 3.14% |
| Q1 2025 | 5.61% | 2.30% | 3.45% | 6.06% | 3.21% |
| Q2 2025 | 5.74% | 2.23% | 3.66% | 6.20% | 3.33% |
| Q3 2025 | 5.89% | 2.23% | 3.81% | 6.32% | 3.54% |
| Q4 2025 | 5.90% | 2.16% | 3.90% | 6.26% | 4.11% |
| Q1 2026 | 5.69% | 2.08% | 3.77% | 6.08% | 4.06% |
| Q2 2026 | 5.77% | 2.11% | 3.82% | 6.16% | 4.12% |
BankPlus yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BankPlus, 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 BankPlus profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5903) · FFIEC NIC profile (RSSD 121642)