Brantley Bank & Trust Company: 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.
Yield on loans climbed 0.82 percentage points in Q2 2026, from 8.05% to 8.87%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Brantley Bank & Trust Company ranks 9th highest among the 93 banks headquartered in Alabama, at 5.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Brantley Bank & Trust Company sits 1.20 points higher, at 5.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 8.87% |
| Yield on securities | 2.58% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.15% |
| Yield to cost spread | 4.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $467K |
| Interest expense on deposits | $467K |
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 | 5.83% | 1.88% | 4.06% | 7.38% | 2.34% |
| Q4 2023 | 5.63% | 1.98% | 3.70% | 7.52% | 1.97% |
| Q1 2024 | 5.55% | 2.15% | 3.47% | 7.49% | 1.93% |
| Q2 2024 | 5.91% | 1.95% | 3.96% | 7.56% | 1.99% |
| Q3 2024 | 6.24% | 2.17% | 4.20% | 8.16% | 1.99% |
| Q4 2024 | 6.10% | 2.07% | 4.19% | 7.82% | 1.99% |
| Q1 2025 | 6.02% | 2.34% | 4.13% | 7.85% | 1.91% |
| Q2 2025 | 6.39% | 2.01% | 4.46% | 8.34% | 1.98% |
| Q3 2025 | 6.21% | 1.78% | 4.54% | 8.27% | 2.03% |
| Q4 2025 | 6.27% | 1.66% | 4.76% | 8.26% | 2.10% |
| Q1 2026 | 6.20% | 1.48% | 4.82% | 8.05% | 2.28% |
| Q2 2026 | 6.73% | 1.64% | 5.15% | 8.87% | 2.58% |
Brantley Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Brantley Bank & Trust Company, 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 Brantley Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16386) · FFIEC NIC profile (RSSD 411231)