First National Bank of Middle Tennessee: 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 Total interest expense, which rose 4.4% to $4.7M. First National Bank of Middle Tennessee ranks 84th of 109 Tennessee banks on net interest margin, in the lower half at 3.56% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First National Bank of Middle Tennessee sits 0.39 points lower, at 3.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | 5.97% |
| Yield on securities | 3.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.6M |
| Total interest expense | $4.7M |
| Interest expense on deposits | $4.6M |
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 | 5.35% | 2.54% | 2.97% | 5.64% | 2.55% |
| Q4 2023 | 5.52% | 2.84% | 2.85% | 5.81% | 2.56% |
| Q1 2024 | 5.58% | 2.85% | 2.91% | 5.83% | 2.59% |
| Q2 2024 | 5.72% | 2.94% | 2.98% | 6.03% | 2.65% |
| Q3 2024 | 5.81% | 2.96% | 3.03% | 6.04% | 2.87% |
| Q4 2024 | 5.48% | 2.73% | 2.92% | 5.80% | 2.68% |
| Q1 2025 | 5.42% | 2.74% | 3.04% | 5.76% | 2.96% |
| Q2 2025 | 5.44% | 2.57% | 3.06% | 5.80% | 2.93% |
| Q3 2025 | 5.63% | 2.54% | 3.24% | 5.96% | 3.05% |
| Q4 2025 | 5.65% | 2.35% | 3.42% | 6.02% | 3.35% |
| Q1 2026 | 5.53% | 2.16% | 3.47% | 5.86% | 3.45% |
| Q2 2026 | 5.66% | 2.23% | 3.56% | 5.97% | 3.59% |
First National Bank of Middle Tennessee 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 National Bank of Middle Tennessee, 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 National Bank of Middle Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4952) · FFIEC NIC profile (RSSD 87234)