Dozier 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: Net interest margin edged down 0.07 percentage points between Q1 2026 and Q2 2026, to 3.21%. Within Alabama, Dozier Bank is 80th of 93 on net interest margin, 3.21% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Dozier Bank sits 0.68 points lower, at 3.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.28% |
| Yield on loans | 6.77% |
| Yield on securities | 2.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.09% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $341K |
| Total interest expense | $143K |
| Interest expense on deposits | $143K |
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 | 3.94% | 1.49% | 2.41% | 6.28% | 2.70% |
| Q4 2023 | 4.38% | 1.67% | 2.70% | 6.96% | 2.59% |
| Q1 2024 | 4.55% | 1.69% | 2.86% | 7.00% | 2.50% |
| Q2 2024 | 4.81% | 1.83% | 3.10% | 7.42% | 2.51% |
| Q3 2024 | 4.78% | 1.67% | 3.10% | 7.30% | 2.42% |
| Q4 2024 | 4.75% | 1.56% | 3.19% | 7.41% | 2.41% |
| Q1 2025 | 4.40% | 1.48% | 2.96% | 6.78% | 2.37% |
| Q2 2025 | 4.71% | 1.43% | 3.30% | 7.41% | 2.35% |
| Q3 2025 | 4.73% | 1.46% | 3.29% | 7.40% | 2.35% |
| Q4 2025 | 4.27% | 1.23% | 3.06% | 6.45% | 2.08% |
| Q1 2026 | 4.35% | 1.08% | 3.28% | 6.88% | 2.20% |
| Q2 2026 | 4.28% | 1.09% | 3.21% | 6.77% | 2.32% |
Dozier 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 Dozier 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 Dozier Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2794) · FFIEC NIC profile (RSSD 496434)