First Commerce 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 1.5% between Q1 2026 and Q2 2026, to $4.3M. Within Tennessee, First Commerce Bank is 20th of 109 on net interest margin, 4.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. First Commerce Bank sits 0.62 points higher, at 4.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.49% |
| Yield on loans | 7.15% |
| Yield on securities | 4.14% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.50% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.0M |
| Total interest expense | $4.3M |
| Interest expense on deposits | $4.3M |
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 | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.91% | 1.95% | 4.13% | 6.36% | 2.90% |
| Q4 2023 | 6.23% | 2.30% | 4.12% | 6.78% | 2.95% |
| Q1 2024 | 6.43% | 2.51% | 4.10% | 6.97% | 3.03% |
| Q2 2024 | 6.60% | 2.62% | 4.17% | 7.19% | 3.08% |
| Q3 2024 | 6.68% | 2.70% | 4.20% | 7.32% | 3.29% |
| Q4 2024 | 6.71% | 2.59% | 4.32% | 7.37% | 3.38% |
| Q1 2025 | 7.08% | 2.20% | 4.76% | 8.20% | 3.71% |
| Q2 2025 | 6.68% | 2.27% | 4.56% | 7.43% | 3.88% |
| Q3 2025 | 6.81% | 2.31% | 4.70% | 7.47% | 3.81% |
| Q4 2025 | 6.57% | 2.28% | 4.53% | 7.19% | 3.87% |
| Q1 2026 | 6.50% | 2.16% | 4.54% | 7.11% | 4.09% |
| Q2 2026 | 6.49% | 2.14% | 4.56% | 7.15% | 4.14% |
First Commerce 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 First Commerce 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 First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57465) · FFIEC NIC profile (RSSD 3153297)