Banksouth: 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.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 3.90%, the biggest move on this page. Within Alabama, Banksouth is 43rd of 93 on net interest margin, 3.90% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Banksouth reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 5.95% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.24% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.6M |
| Total interest expense | $854K |
| Interest expense on deposits | $850K |
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 | 4.90% | 2.17% | 3.22% | 5.37% | 2.70% |
| Q4 2023 | 4.97% | 2.21% | 3.18% | 5.50% | 2.44% |
| Q1 2024 | 5.15% | 2.25% | 3.30% | 5.60% | 3.22% |
| Q2 2024 | 5.27% | 2.34% | 3.39% | 5.65% | 2.89% |
| Q3 2024 | 5.33% | 2.34% | 3.46% | 5.81% | 2.89% |
| Q4 2024 | 5.28% | 2.08% | 3.61% | 5.76% | 3.03% |
| Q1 2025 | 5.09% | 2.05% | 3.44% | 5.61% | 3.10% |
| Q2 2025 | 5.25% | 2.02% | 3.63% | 5.78% | 3.05% |
| Q3 2025 | 5.47% | 2.02% | 3.85% | 5.91% | 3.24% |
| Q4 2025 | 5.44% | 1.96% | 3.88% | 5.91% | 3.25% |
| Q1 2026 | 5.31% | 1.97% | 3.73% | 5.83% | 3.20% |
| Q2 2026 | 5.46% | 1.94% | 3.90% | 5.95% | 3.37% |
Banksouth yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banksouth, 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 Banksouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 77) · FFIEC NIC profile (RSSD 194936)