Decatur 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 2.3% between Q1 2026 and Q2 2026, to $1.7M. Decatur County Bank ranks 59th of 109 Tennessee banks on net interest margin, in the lower half at 3.92% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Decatur County Bank reported 3.92% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.16% |
| Yield on loans | 6.80% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 2.75% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.92% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 6.15% | 2.55% | 3.66% | 6.86% | 2.37% |
| Q4 2023 | 6.30% | 2.64% | 3.73% | 6.99% | 2.46% |
| Q1 2024 | 6.41% | 2.78% | 3.70% | 7.10% | 2.73% |
| Q2 2024 | 6.52% | 2.96% | 3.68% | 7.23% | 2.82% |
| Q3 2024 | 6.69% | 2.99% | 3.82% | 7.42% | 2.85% |
| Q4 2024 | 6.59% | 2.77% | 3.91% | 7.32% | 2.91% |
| Q1 2025 | 6.38% | 2.53% | 3.92% | 7.01% | 2.95% |
| Q2 2025 | 6.46% | 2.60% | 3.96% | 7.17% | 3.02% |
| Q3 2025 | 6.58% | 2.64% | 4.05% | 7.19% | 3.16% |
| Q4 2025 | 6.45% | 2.51% | 4.08% | 7.04% | 3.01% |
| Q1 2026 | 6.12% | 2.35% | 3.90% | 6.76% | 3.05% |
| Q2 2026 | 6.16% | 2.37% | 3.92% | 6.80% | 3.17% |
Decatur 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 Decatur 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 Decatur County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6101) · FFIEC NIC profile (RSSD 66154)