Brannen 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.
In Q2 2026, Total interest expense edged up by 1.7%, from $3.7M to $3.7M, the largest move among the key lines here. Brannen Bank ranks 50th of 79 Florida banks on net interest margin, in the lower half at 3.51% (Q2 2026). Brannen Bank reported 3.51% on net interest margin for Q2 2026, 0.20 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.33% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.40% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.51% |
| Yield to cost spread | 2.79% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.7M |
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 | 4.73% | 0.93% | 3.82% | 5.53% | 2.69% |
| Q4 2023 | 4.87% | 1.10% | 3.84% | 5.64% | 3.21% |
| Q1 2024 | 4.98% | 1.29% | 3.70% | 5.73% | 3.65% |
| Q2 2024 | 4.95% | 1.47% | 3.48% | 5.81% | 3.27% |
| Q3 2024 | 5.05% | 1.55% | 3.51% | 6.06% | 3.20% |
| Q4 2024 | 4.91% | 1.45% | 3.44% | 6.02% | 3.43% |
| Q1 2025 | 4.86% | 1.38% | 3.46% | 6.12% | 3.33% |
| Q2 2025 | 5.00% | 1.44% | 3.55% | 6.22% | 3.26% |
| Q3 2025 | 5.08% | 1.48% | 3.59% | 6.30% | 3.36% |
| Q4 2025 | 4.88% | 1.31% | 3.53% | 6.31% | 3.22% |
| Q1 2026 | 4.87% | 1.32% | 3.45% | 6.23% | 3.39% |
| Q2 2026 | 4.94% | 1.40% | 3.51% | 6.33% | 3.31% |
Brannen 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 Brannen 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 Brannen Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5676) · FFIEC NIC profile (RSSD 760331)