Centennial 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.
Cost of borrowings climbed 1.39 percentage points in Q2 2026, from 4.54% to 5.93%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Centennial Bank is 59th of 109 on net interest margin, 3.92% as of Q2 2026. Centennial Bank reported 3.92% on net interest margin for Q2 2026, 0.21 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 7.18% |
| Yield on securities | 3.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.46% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 5.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.4M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.7M |
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 | 6.55% | 1.98% | 4.68% | 7.23% | 2.30% |
| Q4 2023 | 6.80% | 2.21% | 4.75% | 7.49% | 2.33% |
| Q1 2024 | 6.74% | 2.32% | 4.59% | 7.44% | 2.13% |
| Q2 2024 | 6.96% | 2.43% | 4.67% | 7.58% | 2.20% |
| Q3 2024 | 7.10% | 2.52% | 4.74% | 7.72% | 2.25% |
| Q4 2024 | 7.19% | 2.61% | 4.76% | 7.76% | 2.31% |
| Q1 2025 | 6.96% | 2.60% | 4.51% | 7.54% | 2.24% |
| Q2 2025 | 7.03% | 2.70% | 4.51% | 7.63% | 2.34% |
| Q3 2025 | 7.06% | 2.68% | 4.55% | 7.65% | 2.39% |
| Q4 2025 | 6.98% | 2.57% | 4.54% | 7.62% | 2.44% |
| Q1 2026 | 6.24% | 2.37% | 4.01% | 7.19% | 3.42% |
| Q2 2026 | 6.24% | 2.46% | 3.92% | 7.18% | 3.49% |
Centennial 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 Centennial 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 Centennial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8439) · FFIEC NIC profile (RSSD 531250)