The Farmers and Merchants National Bank of Nashville: 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, Yield on loans rose 0.28 percentage points in Q2 2026 to 6.09%, the biggest move on this page. The Farmers and Merchants National Bank of Nashville ranks 79th of 323 Illinois banks on net interest margin, in the upper half at 4.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Farmers and Merchants National Bank of Nashville sits 0.20 points higher, at 4.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.09% |
| Yield on securities | 2.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.16% |
| Cost of interest-bearing liabilities | 1.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.15% |
| Yield to cost spread | 3.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $562K |
| Interest expense on deposits | $562K |
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 | 3.92% | 0.55% | 3.40% | 4.90% | 2.18% |
| Q4 2023 | 4.15% | 0.75% | 3.45% | 5.08% | 2.32% |
| Q1 2024 | 4.31% | 1.13% | 3.24% | 5.19% | 2.35% |
| Q2 2024 | 4.43% | 1.18% | 3.34% | 5.46% | 2.22% |
| Q3 2024 | 4.61% | 1.14% | 3.55% | 5.63% | 2.27% |
| Q4 2024 | 4.74% | 0.97% | 3.83% | 5.71% | 2.31% |
| Q1 2025 | 4.73% | 0.91% | 3.88% | 5.71% | 2.25% |
| Q2 2025 | 4.79% | 0.93% | 3.93% | 5.84% | 2.18% |
| Q3 2025 | 4.92% | 0.96% | 4.02% | 5.99% | 2.17% |
| Q4 2025 | 4.91% | 0.97% | 4.00% | 5.90% | 2.26% |
| Q1 2026 | 4.91% | 0.92% | 4.05% | 5.81% | 2.43% |
| Q2 2026 | 4.99% | 0.91% | 4.15% | 6.09% | 2.37% |
The Farmers and Merchants National Bank of Nashville yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants National Bank of Nashville, 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 The Farmers and Merchants National Bank of Nashville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3821) · FFIEC NIC profile (RSSD 513546)