Copiah 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 rose 0.47 percentage points from Q1 2026 to Q2 2026, ending at 4.16% against 3.69%. It was the largest change among the key lines on this page. Copiah Bank ranks 23rd of 57 Mississippi banks on net interest margin, in the upper half at 4.11% (Q2 2026). Copiah Bank reported 4.11% on net interest margin for Q2 2026, 0.17 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.55% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.31% |
| Cost of borrowings | 4.16% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.11% |
| Yield to cost spread | 3.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | 4.65% | 1.16% | 3.53% | 5.63% | 2.22% |
| Q4 2023 | 5.00% | 1.25% | 3.83% | 5.94% | 2.54% |
| Q1 2024 | 5.18% | 1.28% | 3.96% | 6.08% | 3.35% |
| Q2 2024 | 5.36% | 1.36% | 4.05% | 6.06% | 3.70% |
| Q3 2024 | 5.33% | 1.63% | 3.80% | 6.27% | 3.66% |
| Q4 2024 | 5.32% | 1.70% | 3.76% | 6.28% | 3.73% |
| Q1 2025 | 5.19% | 1.51% | 3.74% | 6.24% | 3.77% |
| Q2 2025 | 5.38% | 1.59% | 3.91% | 6.33% | 4.07% |
| Q3 2025 | 5.63% | 1.58% | 4.14% | 6.54% | 4.44% |
| Q4 2025 | 5.51% | 1.63% | 3.98% | 6.48% | 4.14% |
| Q1 2026 | 5.55% | 1.54% | 4.10% | 6.41% | 4.49% |
| Q2 2026 | 5.62% | 1.60% | 4.11% | 6.55% | 4.21% |
Copiah 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 Copiah 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 Copiah Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8231) · FFIEC NIC profile (RSSD 398837)