First Southern Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
First Southern Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.69% in Q3 2026, down 0.72 percentage points from 6.41% in Q3 2025. Across the 12 quarters shown it ranged from 5.38% (Q2 2026) to 7.25% (Q3 2024).
Net interest margin rose 0.34 percentage points from Q2 2026 to Q3 2026, ending at 3.40% against 3.06%. It was the largest change among the key lines on this page. Within Alabama, First Southern Bank is 75th of 92 on net interest margin, 3.40% as of Q3 2026. The median for banks in the $100M-1B asset tier is 3.99% on net interest margin. First Southern Bank sits 0.59 points lower, at 3.40% (Q3 2026).
Asset yields
Yield on loans changed the most here, up 0.46 points to 6.38% in Q3 2026 from 5.92% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 5.69% |
| Yield on loans | 6.38% |
| Yield on securities | 3.83% |
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Funding costs
Cost of interest-bearing liabilities moved most in this table, up 0.05 points: 2.62% in Q2 2026, 2.67% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 4.10% |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 3.02% |
Interest income and expense
Total interest expense changed the most here, down 3.5% to $3.7M in Q3 2026 from $3.8M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $7.4M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.3M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 6.74% | 3.16% | 3.81% | 7.05% | 2.00% |
| Q1 2024 | 6.89% | 3.14% | 3.97% | 7.23% | 1.98% |
| Q2 2024 | 7.03% | 3.32% | 3.99% | 7.30% | 1.99% |
| Q3 2024 | 7.25% | 3.40% | 4.11% | 7.58% | 1.93% |
| Q4 2024 | 6.59% | 3.14% | 3.72% | 6.93% | 2.00% |
| Q1 2025 | 5.83% | 2.85% | 3.22% | 6.10% | 1.97% |
| Q2 2025 | 6.45% | 2.81% | 3.88% | 6.87% | 2.65% |
| Q3 2025 | 6.41% | 2.87% | 3.78% | 6.89% | 3.43% |
| Q4 2025 | 6.20% | 2.75% | 3.68% | 6.87% | 4.00% |
| Q1 2026 | 5.80% | 2.60% | 3.37% | 6.50% | 4.18% |
| Q2 2026 | 5.38% | 2.54% | 3.06% | 5.92% | 3.94% |
| Q3 2026 | 5.69% | 2.53% | 3.40% | 6.38% | 3.83% |
First Southern Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First Southern Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 29332) · FFIEC NIC profile (RSSD 66275)