Cullman Savings 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 3.6% in Q2 2026 to $1.8M, the biggest move on this page. Cullman Savings Bank ranks 35th of 93 Alabama banks on net interest margin, in the upper half at 4.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Cullman Savings Bank sits 0.13 points higher, at 4.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.75% |
| Yield on loans | 6.06% |
| Yield on securities | 2.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 1.80% |
| Cost of interest-bearing liabilities | 2.19% |
| Cost of borrowings | 4.02% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.7M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.2M |
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 | 5.07% | 1.43% | 3.86% | 5.28% | 2.81% |
| Q4 2023 | 5.14% | 1.62% | 3.78% | 5.33% | 2.83% |
| Q1 2024 | 5.17% | 1.90% | 3.56% | 5.41% | 2.81% |
| Q2 2024 | 5.30% | 2.00% | 3.59% | 5.51% | 2.82% |
| Q3 2024 | 5.51% | 2.18% | 3.63% | 5.79% | 2.84% |
| Q4 2024 | 5.58% | 2.17% | 3.73% | 5.85% | 2.57% |
| Q1 2025 | 5.52% | 2.04% | 3.77% | 5.76% | 2.60% |
| Q2 2025 | 5.66% | 2.02% | 3.92% | 5.87% | 2.62% |
| Q3 2025 | 5.72% | 2.08% | 3.94% | 6.06% | 2.66% |
| Q4 2025 | 5.80% | 2.02% | 4.08% | 6.12% | 2.53% |
| Q1 2026 | 5.76% | 1.92% | 4.11% | 6.10% | 2.51% |
| Q2 2026 | 5.75% | 1.94% | 4.08% | 6.06% | 2.51% |
Cullman Savings 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 Cullman Savings 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 Cullman Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30167) · FFIEC NIC profile (RSSD 934673)