Carroll Bank and Trust: 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 rose 4.1% in Q2 2026 to $3.8M, the biggest move on this page. Within Tennessee, Carroll Bank and Trust is 57th of 109 on net interest margin, 3.93% as of Q2 2026, below the middle of the field. At 3.93%, Carroll Bank and Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.38% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.51% |
| Cost of interest-bearing deposits | 3.01% |
| Cost of interest-bearing liabilities | 3.01% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.6M |
| Total interest expense | $3.8M |
| Interest expense on deposits | $3.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.64% | 2.11% | 3.55% |
| Q4 2023 | 5.80% | 2.57% | 3.27% |
| Q1 2024 | 6.00% | 2.61% | 3.43% |
| Q2 2024 | 6.27% | 2.65% | 3.67% |
| Q3 2024 | 6.43% | 2.78% | 3.71% |
| Q4 2024 | 6.43% | 2.70% | 3.80% |
| Q1 2025 | 6.21% | 2.50% | 3.76% |
| Q2 2025 | 6.35% | 2.57% | 3.84% |
| Q3 2025 | 6.47% | 2.65% | 3.87% |
| Q4 2025 | 6.46% | 2.56% | 3.94% |
| Q1 2026 | 6.27% | 2.42% | 3.86% |
| Q2 2026 | 6.38% | 2.51% | 3.93% |
Carroll Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carroll Bank and Trust, 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 Carroll Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2380) · FFIEC NIC profile (RSSD 541857)