Coffee County 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.35 percentage points to 4.97%. On net interest margin, Coffee County Bank ranks 10th highest among the 109 banks headquartered in Tennessee, at 4.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Coffee County Bank sits 1.02 points higher, at 4.97% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.96% |
| Yield on loans | 7.48% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.15% |
| Cost of interest-bearing deposits | 2.73% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.97% |
| Yield to cost spread | 4.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 | 6.50% | 2.27% | 4.44% | 6.83% | 2.75% |
| Q4 2023 | 6.64% | 2.54% | 4.35% | 6.99% | 2.10% |
| Q1 2024 | 6.77% | 2.75% | 4.25% | 7.07% | 2.91% |
| Q2 2024 | 6.87% | 2.89% | 4.21% | 7.18% | 2.87% |
| Q3 2024 | 7.20% | 3.07% | 4.36% | 7.57% | 2.88% |
| Q4 2024 | 7.09% | 2.93% | 4.37% | 7.45% | 2.87% |
| Q1 2025 | 6.87% | 2.78% | 4.39% | 7.36% | 2.89% |
| Q2 2025 | 7.07% | 2.65% | 4.64% | 7.56% | 3.15% |
| Q3 2025 | 6.98% | 2.45% | 4.68% | 7.63% | 3.26% |
| Q4 2025 | 7.00% | 2.44% | 4.76% | 7.63% | 3.25% |
| Q1 2026 | 6.65% | 2.19% | 4.62% | 7.29% | 3.18% |
| Q2 2026 | 6.96% | 2.15% | 4.97% | 7.48% | 3.20% |
Coffee County 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 Coffee County 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 Coffee County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22090) · FFIEC NIC profile (RSSD 211338)