First Jackson 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.
In Q2 2026, Cost of borrowings edged down by 0.21 percentage points, from 4.32% to 4.11%, the largest move among the key lines here. Within Alabama, First Jackson Bank is 43rd of 93 on net interest margin, 3.90% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; First Jackson Bank reported 3.90% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.36% |
| Yield on loans | 7.59% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.80% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.20% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.90% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.7M |
| 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 | 5.71% | 2.42% | 3.54% | 6.66% | 2.62% |
| Q4 2023 | 5.84% | 2.52% | 3.58% | 6.86% | 2.60% |
| Q1 2024 | 5.89% | 2.68% | 3.46% | 6.92% | 2.72% |
| Q2 2024 | 5.94% | 2.95% | 3.31% | 7.13% | 2.64% |
| Q3 2024 | 6.26% | 3.11% | 3.45% | 7.31% | 2.68% |
| Q4 2024 | 6.13% | 3.13% | 3.35% | 7.39% | 2.72% |
| Q1 2025 | 6.19% | 3.12% | 3.42% | 7.32% | 2.82% |
| Q2 2025 | 6.30% | 3.09% | 3.54% | 7.48% | 2.80% |
| Q3 2025 | 6.35% | 2.99% | 3.68% | 7.48% | 2.97% |
| Q4 2025 | 6.43% | 2.89% | 3.86% | 7.58% | 3.03% |
| Q1 2026 | 6.46% | 2.80% | 3.98% | 7.49% | 3.01% |
| Q2 2026 | 6.36% | 2.80% | 3.90% | 7.59% | 3.10% |
First Jackson 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 Jackson 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 Jackson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23376) · FFIEC NIC profile (RSSD 248633)