First Farmers and Commercial 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.30 percentage points to 4.29%. First Farmers and Commercial Bank ranks 29th of 109 Tennessee banks on net interest margin, in the upper half at 4.29% (Q2 2026). First Farmers and Commercial Bank reported 4.29% on net interest margin for Q2 2026, 0.34 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.46% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.81% |
| Cost of interest-bearing liabilities | 2.81% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.29% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 |
|---|---|---|---|
| Q3 2023 | 5.43% | 2.12% | 3.38% |
| Q4 2023 | 5.82% | 2.39% | 3.47% |
| Q1 2024 | 6.04% | 2.54% | 3.53% |
| Q2 2024 | 6.15% | 2.45% | 3.76% |
| Q3 2024 | 6.39% | 2.58% | 3.88% |
| Q4 2024 | 6.33% | 2.60% | 3.84% |
| Q1 2025 | 6.30% | 2.47% | 3.90% |
| Q2 2025 | 6.32% | 2.40% | 4.00% |
| Q3 2025 | 6.49% | 2.36% | 4.20% |
| Q4 2025 | 6.38% | 2.33% | 4.16% |
| Q1 2026 | 6.13% | 2.26% | 3.99% |
| Q2 2026 | 6.46% | 2.24% | 4.29% |
First Farmers and Commercial 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 Farmers and Commercial 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 Farmers and Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4960) · FFIEC NIC profile (RSSD 702836)