Financial Federal 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 up 0.11 percentage points between Q1 2026 and Q2 2026, to 2.65%. Financial Federal Bank has the 3rd lowest net interest margin of the 109 banks headquartered in Tennessee, at 2.65% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Financial Federal Bank sits 1.06 points lower, at 2.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.05% |
| Yield on loans | 6.12% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.80% |
| Cost of interest-bearing deposits | 3.93% |
| Cost of interest-bearing liabilities | 3.87% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.65% |
| Yield to cost spread | 2.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.3M |
| Total interest expense | $9.4M |
| Interest expense on deposits | $8.3M |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.67% | 4.26% | 1.90% | 5.71% |
| Q4 2023 | 5.85% | 4.64% | 1.75% | 5.88% |
| Q1 2024 | 5.92% | 4.84% | 1.61% | 5.96% |
| Q2 2024 | 6.03% | 4.96% | 1.60% | 6.05% |
| Q3 2024 | 6.18% | 5.03% | 1.68% | 6.21% |
| Q4 2024 | 6.14% | 4.79% | 1.85% | 6.16% |
| Q1 2025 | 5.99% | 4.45% | 2.00% | 6.03% |
| Q2 2025 | 6.11% | 4.42% | 2.15% | 6.15% |
| Q3 2025 | 6.20% | 4.33% | 2.33% | 6.25% |
| Q4 2025 | 6.14% | 4.14% | 2.44% | 6.20% |
| Q1 2026 | 5.97% | 3.83% | 2.54% | 6.04% |
| Q2 2026 | 6.05% | 3.80% | 2.65% | 6.12% |
Financial Federal 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 Financial Federal 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 Financial Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31840) · FFIEC NIC profile (RSSD 590976)