First National Bank of 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.
Cost of borrowings dropped 12.70 percentage points in Q2 2026, from 12.70% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, First National Bank of Tennessee is 45th of 109 on net interest margin, 4.08% as of Q2 2026, above the middle of the field. First National Bank of Tennessee reported 4.08% on net interest margin for Q2 2026, 0.37 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.26% |
| Yield on loans | 6.39% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.32% |
| Cost of interest-bearing deposits | 1.78% |
| Cost of interest-bearing liabilities | 1.78% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.08% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.3M |
| Total interest expense | $3.9M |
| Interest expense on deposits | $3.9M |
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 | 4.32% | 1.05% | 3.36% | 5.85% | 2.31% |
| Q4 2023 | 4.54% | 1.24% | 3.43% | 5.91% | 2.55% |
| Q1 2024 | 4.76% | 1.38% | 3.52% | 6.08% | 2.87% |
| Q2 2024 | 4.96% | 1.46% | 3.65% | 6.19% | 3.22% |
| Q3 2024 | 5.17% | 1.51% | 3.82% | 6.35% | 3.46% |
| Q4 2024 | 5.09% | 1.48% | 3.77% | 6.15% | 3.57% |
| Q1 2025 | 5.13% | 1.44% | 3.82% | 6.16% | 3.81% |
| Q2 2025 | 5.32% | 1.43% | 4.06% | 6.28% | 4.09% |
| Q3 2025 | 5.52% | 1.39% | 4.28% | 6.55% | 4.23% |
| Q4 2025 | 5.42% | 1.36% | 4.21% | 6.48% | 4.17% |
| Q1 2026 | 5.21% | 1.31% | 4.03% | 6.30% | 4.04% |
| Q2 2026 | 5.26% | 1.32% | 4.08% | 6.39% | 4.04% |
First National Bank of 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 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 Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19502) · FFIEC NIC profile (RSSD 283737)