Banktennessee: 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 down 1.3% between Q1 2026 and Q2 2026, to $3.4M. Within Tennessee, Banktennessee is 63rd of 109 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. Banktennessee reported 3.80% on net interest margin for Q2 2026, 0.15 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.12% |
| Yield on loans | 6.50% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.45% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.2M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.2M |
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 | 6.01% | 2.46% | 3.68% | 6.18% | 2.94% |
| Q4 2023 | 6.09% | 2.68% | 3.54% | 6.26% | 3.07% |
| Q1 2024 | 6.08% | 2.84% | 3.36% | 6.26% | 3.08% |
| Q2 2024 | 6.16% | 2.93% | 3.38% | 6.38% | 3.11% |
| Q3 2024 | 6.20% | 3.02% | 3.32% | 6.40% | 3.07% |
| Q4 2024 | 6.20% | 3.01% | 3.33% | 6.47% | 3.06% |
| Q1 2025 | 6.10% | 2.83% | 3.40% | 6.42% | 3.08% |
| Q2 2025 | 6.18% | 2.80% | 3.51% | 6.53% | 3.13% |
| Q3 2025 | 6.25% | 2.74% | 3.62% | 6.63% | 3.03% |
| Q4 2025 | 6.16% | 2.64% | 3.65% | 6.51% | 3.31% |
| Q1 2026 | 6.13% | 2.51% | 3.75% | 6.52% | 3.16% |
| Q2 2026 | 6.12% | 2.45% | 3.80% | 6.50% | 3.28% |
Banktennessee yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Banktennessee, 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 Banktennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29177) · FFIEC NIC profile (RSSD 831576)