Foundation 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.
Compared with Q1 2026, Yield on loans fell 0.28 percentage points in Q2 2026 to 9.36%, the biggest move on this page. As of Q2 2026, Foundation Bank ranks first in Tennessee on net interest margin among 109 banks, at 5.95%. Foundation Bank's net interest margin of 5.95% is well above the 3.94% median for banks in the $100M-1B asset tier, a gap of 2.01 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.12% |
| Yield on loans | 9.36% |
| Yield on securities | 2.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.95% |
| Yield to cost spread | 5.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $641K |
| Interest expense on deposits | $641K |
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 | 7.58% | 0.99% | 6.76% | 10.11% | 1.38% |
| Q4 2023 | 7.45% | 1.23% | 6.45% | 9.77% | 1.39% |
| Q1 2024 | 7.36% | 1.31% | 6.27% | 9.95% | 1.41% |
| Q2 2024 | 7.46% | 1.45% | 6.26% | 9.95% | 1.46% |
| Q3 2024 | 7.93% | 1.55% | 6.65% | 10.57% | 1.46% |
| Q4 2024 | 7.46% | 1.58% | 6.17% | 10.06% | 1.48% |
| Q1 2025 | 7.43% | 1.50% | 6.18% | 10.15% | 1.56% |
| Q2 2025 | 7.45% | 1.48% | 6.23% | 9.91% | 1.70% |
| Q3 2025 | 7.37% | 1.49% | 6.16% | 9.84% | 1.91% |
| Q4 2025 | 7.33% | 1.46% | 6.14% | 9.66% | 2.08% |
| Q1 2026 | 7.06% | 1.41% | 5.91% | 9.64% | 2.03% |
| Q2 2026 | 7.12% | 1.46% | 5.95% | 9.36% | 2.19% |
Foundation 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 Foundation 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 Foundation Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13955) · FFIEC NIC profile (RSSD 480853)