Evabank: 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 down 1.3% between Q1 2026 and Q2 2026, to $2.5M. Among 93 Alabama banks, Evabank sits 3rd from the top on net interest margin, 6.11% as of Q3 2026. Evabank's net interest margin of 6.14% is well above the 3.94% median for banks in the $100M-1B asset tier, a gap of 2.20 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.21% |
| Yield on loans | 8.60% |
| Yield on securities | 6.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.86% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 1.92% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.14% |
| Yield to cost spread | 5.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.4M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 7.52% | 2.65% | 5.63% | 8.00% | 5.89% |
| Q4 2023 | 7.84% | 2.86% | 5.81% | 8.34% | 5.62% |
| Q1 2024 | 7.98% | 3.14% | 5.71% | 8.40% | 6.30% |
| Q2 2024 | 8.22% | 3.29% | 5.86% | 9.01% | 5.12% |
| Q3 2024 | 8.53% | 3.41% | 6.08% | 9.43% | 5.48% |
| Q4 2024 | 8.21% | 3.36% | 5.79% | 8.88% | 5.60% |
| Q1 2025 | 7.99% | 3.22% | 5.67% | 8.61% | 5.57% |
| Q2 2025 | 8.47% | 3.24% | 6.11% | 9.09% | 5.62% |
| Q3 2025 | 8.62% | 3.27% | 6.25% | 9.25% | 6.17% |
| Q4 2025 | 8.44% | 3.16% | 6.16% | 8.84% | 6.94% |
| Q1 2026 | 8.27% | 2.91% | 6.16% | 8.72% | 6.80% |
| Q2 2026 | 8.21% | 2.86% | 6.14% | 8.60% | 6.79% |
Evabank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evabank, 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 Evabank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26799) · FFIEC NIC profile (RSSD 498531)