Bryant 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 6.4% to $12.0M. Within Alabama, Bryant Bank is 69th of 93 on net interest margin, 3.48% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Bryant Bank sits 0.23 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 6.70% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.21% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.1M |
| Total interest expense | $12.0M |
| Interest expense on deposits | $9.3M |
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 | 5.59% | 1.78% | 4.00% | 7.17% | 2.90% |
| Q4 2023 | 5.89% | 2.00% | 4.12% | 7.37% | 3.72% |
| Q1 2024 | 6.03% | 2.18% | 4.10% | 7.39% | 4.11% |
| Q2 2024 | 6.22% | 2.36% | 4.15% | 7.68% | 4.21% |
| Q3 2024 | 6.40% | 2.44% | 4.24% | 7.71% | 4.64% |
| Q4 2024 | 6.03% | 2.28% | 4.03% | 7.39% | 4.49% |
| Q1 2025 | 5.62% | 2.14% | 3.72% | 6.95% | 4.24% |
| Q2 2025 | 5.74% | 2.16% | 3.85% | 7.06% | 4.21% |
| Q3 2025 | 5.78% | 2.19% | 3.89% | 7.19% | 4.27% |
| Q4 2025 | 5.51% | 2.02% | 3.76% | 6.97% | 4.29% |
| Q1 2026 | 5.25% | 1.88% | 3.59% | 6.69% | 4.20% |
| Q2 2026 | 5.20% | 1.94% | 3.48% | 6.70% | 4.21% |
Bryant 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 Bryant 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 Bryant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57997) · FFIEC NIC profile (RSSD 3356191)