Century 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 rose 3.4% in Q2 2026 to $2.0M, the biggest move on this page. Within Mississippi, Century Bank is 13th of 57 on net interest margin, 4.51% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Century Bank sits 0.57 points higher, at 4.51% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.02% |
| Yield on loans | 6.97% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.15% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.51% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 5.37% | 0.98% | 4.08% | 6.32% | 2.55% |
| Q4 2023 | 5.45% | 1.13% | 3.92% | 6.36% | 2.61% |
| Q1 2024 | 5.55% | 1.30% | 3.88% | 6.45% | 2.60% |
| Q2 2024 | 5.71% | 1.34% | 3.89% | 6.64% | 2.69% |
| Q3 2024 | 5.87% | 1.44% | 3.96% | 6.84% | 2.82% |
| Q4 2024 | 5.86% | 1.46% | 3.96% | 6.84% | 2.89% |
| Q1 2025 | 5.74% | 1.40% | 3.92% | 6.73% | 3.07% |
| Q2 2025 | 5.91% | 1.34% | 4.16% | 6.95% | 3.16% |
| Q3 2025 | 5.91% | 1.29% | 4.22% | 7.05% | 3.19% |
| Q4 2025 | 6.10% | 1.23% | 4.49% | 7.15% | 3.26% |
| Q1 2026 | 5.94% | 1.11% | 4.44% | 6.88% | 3.29% |
| Q2 2026 | 6.02% | 1.15% | 4.51% | 6.97% | 3.27% |
Century 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 Century 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 Century Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11448) · FFIEC NIC profile (RSSD 58636)