Cross 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 standout move of Q2 2026 was in Cost of borrowings: 1.70 percentage points lower than in Q1 2026, at 2.14%. Cross Bank ranks 10th of 78 Arkansas banks on net interest margin, in the upper half at 4.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Cross Bank sits 0.87 points higher, at 4.81% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.85% |
| Yield on loans | 7.20% |
| Yield on securities | 5.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 2.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.81% |
| Yield to cost spread | 4.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.7M |
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 | 6.52% | 1.75% | 4.89% | 6.79% | 3.49% |
| Q4 2023 | 7.02% | 1.80% | 5.35% | 7.33% | 2.29% |
| Q1 2024 | 7.24% | 2.01% | 5.40% | 7.62% | 3.21% |
| Q2 2024 | 7.15% | 2.25% | 5.04% | 7.32% | 4.31% |
| Q3 2024 | 7.31% | 2.90% | 4.91% | 7.57% | 4.67% |
| Q4 2024 | 7.54% | 3.28% | 4.76% | 7.90% | 5.05% |
| Q1 2025 | 7.24% | 2.55% | 4.85% | 7.58% | 5.42% |
| Q2 2025 | 6.74% | 2.56% | 4.36% | 7.03% | 5.45% |
| Q3 2025 | 7.07% | 2.67% | 4.57% | 7.39% | 5.45% |
| Q4 2025 | 6.94% | 2.44% | 4.59% | 7.29% | 5.14% |
| Q1 2026 | 7.07% | 2.28% | 4.97% | 7.51% | 5.09% |
| Q2 2026 | 6.85% | 2.23% | 4.81% | 7.20% | 5.14% |
Cross 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 Cross 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 Cross Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13821) · FFIEC NIC profile (RSSD 989347)