First Southern State 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, Yield on loans edged up by 0.18 percentage points, from 7.40% to 7.58%, the largest move among the key lines here. Within Alabama, First Southern State Bank is 51st of 93 on net interest margin, 3.76% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. First Southern State Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 7.58% |
| Yield on securities | 2.57% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.84% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.7M |
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 | 4.56% | 1.39% | 3.25% | 6.30% | 2.01% |
| Q4 2023 | 4.77% | 1.59% | 3.28% | 6.60% | 2.05% |
| Q1 2024 | 4.89% | 1.90% | 3.15% | 6.76% | 2.05% |
| Q2 2024 | 5.03% | 2.01% | 3.14% | 6.96% | 2.05% |
| Q3 2024 | 5.18% | 2.21% | 3.11% | 7.17% | 2.07% |
| Q4 2024 | 5.21% | 2.21% | 3.14% | 7.21% | 2.14% |
| Q1 2025 | 5.14% | 2.09% | 3.19% | 7.08% | 2.27% |
| Q2 2025 | 5.34% | 2.03% | 3.44% | 7.34% | 2.38% |
| Q3 2025 | 5.41% | 2.05% | 3.51% | 7.43% | 2.46% |
| Q4 2025 | 5.44% | 1.96% | 3.62% | 7.47% | 2.58% |
| Q1 2026 | 5.41% | 1.88% | 3.68% | 7.40% | 2.65% |
| Q2 2026 | 5.43% | 1.84% | 3.76% | 7.58% | 2.57% |
First Southern State 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 Southern State 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 Southern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2829) · FFIEC NIC profile (RSSD 246134)