First National Bank of Pulaski: 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 0.18 percentage points to 3.77%. Within Tennessee, First National Bank of Pulaski is 66th of 109 on net interest margin, 3.77% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; First National Bank of Pulaski reported 3.77% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 6.76% |
| Yield on securities | 2.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 3.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.77% |
| Yield to cost spread | 3.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.3M |
| Total interest expense | $6.6M |
| Interest expense on deposits | $6.6M |
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 | 4.98% | 1.41% | 3.38% | 6.16% | 1.79% |
| Q4 2023 | 5.23% | 1.69% | 3.34% | 6.41% | 1.85% |
| Q1 2024 | 5.25% | 1.93% | 3.10% | 6.47% | 1.85% |
| Q2 2024 | 5.50% | 2.07% | 3.22% | 6.68% | 2.00% |
| Q3 2024 | 5.61% | 2.52% | 3.28% | 6.87% | 1.93% |
| Q4 2024 | 5.57% | 2.41% | 3.33% | 6.75% | 1.93% |
| Q1 2025 | 5.42% | 2.20% | 3.37% | 6.64% | 1.92% |
| Q2 2025 | 5.61% | 2.12% | 3.66% | 6.79% | 1.91% |
| Q3 2025 | 5.73% | 2.13% | 3.78% | 6.99% | 1.96% |
| Q4 2025 | 5.66% | 2.13% | 3.72% | 6.87% | 1.99% |
| Q1 2026 | 5.43% | 2.01% | 3.59% | 6.72% | 2.01% |
| Q2 2026 | 5.56% | 1.95% | 3.77% | 6.76% | 2.20% |
First National Bank of Pulaski 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 Pulaski, 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 Pulaski profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15572) · FFIEC NIC profile (RSSD 972732)