Bodcaw 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.
Total interest expense fell 3.6% from Q1 2026 to Q2 2026, ending at $1.4M against $1.5M. It was the largest change among the key lines on this page. Within Arkansas, Bodcaw Bank is 12th of 78 on net interest margin, 4.62% as of Q2 2026. Bodcaw Bank reported 4.62% on net interest margin for Q2 2026, 0.68 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.08% |
| Yield on loans | 7.54% |
| Yield on securities | 3.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 3.00% |
| Cost of interest-bearing liabilities | 3.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.4M |
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 | 5.95% | 2.35% | 3.89% | 6.28% | 2.14% |
| Q4 2023 | 6.69% | 2.59% | 4.25% | 7.11% | 2.13% |
| Q1 2024 | 6.23% | 2.84% | 3.73% | 6.58% | 2.10% |
| Q2 2024 | 6.37% | 3.15% | 3.58% | 6.77% | 2.08% |
| Q3 2024 | 6.96% | 3.20% | 4.01% | 7.47% | 2.46% |
| Q4 2024 | 7.07% | 3.17% | 4.16% | 7.58% | 2.62% |
| Q1 2025 | 7.02% | 2.95% | 4.28% | 7.34% | 2.87% |
| Q2 2025 | 6.99% | 2.86% | 4.39% | 7.39% | 3.17% |
| Q3 2025 | 6.99% | 2.89% | 4.37% | 7.39% | 3.16% |
| Q4 2025 | 6.99% | 2.85% | 4.39% | 7.38% | 3.18% |
| Q1 2026 | 6.95% | 2.70% | 4.45% | 7.37% | 3.07% |
| Q2 2026 | 7.08% | 2.60% | 4.62% | 7.54% | 3.14% |
Bodcaw 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 Bodcaw 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 Bodcaw Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5624) · FFIEC NIC profile (RSSD 942847)