Builtwell 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.
Compared with Q1 2026, Total interest expense fell 4.9% in Q2 2026 to $7.4M, the biggest move on this page. Builtwell Bank ranks 14th of 109 Tennessee banks on net interest margin, in the upper half at 4.83% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Builtwell Bank sits 1.12 points higher, at 4.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.22% |
| Yield on loans | 7.04% |
| Yield on securities | 4.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.11% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.83% |
| Yield to cost spread | 4.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $27.4M |
| Total interest expense | $7.4M |
| Interest expense on deposits | $7.4M |
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 | 6.29% | 1.02% | 5.16% | 6.83% | 4.29% |
| Q4 2023 | 6.46% | 1.21% | 5.13% | 7.01% | 4.81% |
| Q1 2024 | 6.62% | 1.32% | 5.14% | 7.11% | 5.11% |
| Q2 2024 | 6.73% | 1.41% | 5.16% | 7.23% | 5.51% |
| Q3 2024 | 6.91% | 1.57% | 5.18% | 7.49% | 5.81% |
| Q4 2024 | 6.67% | 1.65% | 4.96% | 7.40% | 5.85% |
| Q1 2025 | 6.23% | 1.51% | 4.66% | 6.99% | 5.38% |
| Q2 2025 | 6.33% | 1.49% | 4.77% | 7.12% | 5.28% |
| Q3 2025 | 8.28% | 1.81% | 6.48% | 9.67% | 5.22% |
| Q4 2025 | 6.49% | 1.50% | 4.95% | 7.39% | 5.05% |
| Q1 2026 | 6.17% | 1.40% | 4.71% | 6.99% | 4.73% |
| Q2 2026 | 6.22% | 1.33% | 4.83% | 7.04% | 4.60% |
Builtwell 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 Builtwell 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 Builtwell Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10307) · FFIEC NIC profile (RSSD 234739)