Central 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.
Net interest margin rose 0.24 percentage points from Q1 2026 to Q2 2026, ending at 4.24% against 4.00%. It was the largest change among the key lines on this page. Central Bank ranks 33rd of 109 Tennessee banks on net interest margin, in the upper half at 4.24% (Q2 2026). Central Bank reported 4.24% on net interest margin for Q2 2026, 0.29 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 7.14% |
| Yield on securities | 1.47% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.66% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.24% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.0M |
| Total interest expense | $594K |
| Interest expense on deposits | $594K |
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 | 4.79% | 1.10% | 3.76% | 6.40% | 1.44% |
| Q4 2023 | 5.00% | 1.27% | 3.77% | 6.68% | 1.47% |
| Q1 2024 | 5.14% | 1.42% | 3.81% | 6.83% | 1.47% |
| Q2 2024 | 5.29% | 1.60% | 3.84% | 7.02% | 1.47% |
| Q3 2024 | 5.38% | 1.66% | 3.87% | 7.19% | 1.47% |
| Q4 2024 | 5.44% | 1.72% | 3.88% | 7.24% | 1.41% |
| Q1 2025 | 5.36% | 1.67% | 3.86% | 7.14% | 1.41% |
| Q2 2025 | 5.52% | 1.66% | 4.00% | 7.24% | 1.39% |
| Q3 2025 | 5.56% | 1.70% | 4.01% | 7.24% | 1.40% |
| Q4 2025 | 5.65% | 1.80% | 3.98% | 7.18% | 1.41% |
| Q1 2026 | 5.57% | 1.69% | 4.00% | 7.05% | 1.44% |
| Q2 2026 | 5.79% | 1.66% | 4.24% | 7.14% | 1.47% |
Central 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 Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31545) · FFIEC NIC profile (RSSD 265676)