BHM Bank: 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 standout move of Q2 2026 was in Net interest margin: 0.67 percentage points higher than in Q1 2026, at 4.17%. Within Alabama, BHM Bank is 31st of 93 on net interest margin, 4.17% as of Q2 2026. BHM Bank reported 4.17% on net interest margin for Q2 2026, 0.29 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.57% |
| Yield on loans | 6.81% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $168K |
| Total interest expense | $57K |
| Interest expense on deposits | $57K |
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 | 6.35% | 1.65% | 5.14% | 7.65% | 1.24% |
| Q4 2023 | 7.83% | 1.64% | 6.49% | 9.51% | 1.10% |
| Q1 2024 | 6.66% | 1.99% | 4.94% | 7.65% | 1.14% |
| Q2 2024 | 6.21% | 2.06% | 4.42% | 7.34% | 1.56% |
| Q3 2024 | 7.35% | 2.04% | 5.52% | 8.95% | 2.39% |
| Q4 2024 | 6.40% | 2.02% | 4.61% | 7.96% | 2.93% |
| Q1 2025 | 5.40% | 1.77% | 3.84% | 6.41% | 3.35% |
| Q2 2025 | 5.07% | 1.58% | 3.75% | 5.67% | 3.45% |
| Q3 2025 | 5.48% | 1.78% | 3.94% | 6.42% | 3.56% |
| Q4 2025 | 6.20% | 1.70% | 4.70% | 8.06% | 3.63% |
| Q1 2026 | 4.90% | 1.65% | 3.50% | 5.99% | 3.54% |
| Q2 2026 | 5.57% | 1.58% | 4.17% | 6.81% | 3.70% |
BHM Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock BHM Bank, 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 BHM Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35314) · FFIEC NIC profile (RSSD 2877484)