Generations 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.19 percentage points to 4.20%. Within Arkansas, Generations Bank is 30th of 78 on net interest margin, 4.20% as of Q2 2026. Generations Bank reported 4.20% on net interest margin for Q2 2026, 0.49 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 7.43% |
| Yield on securities | 4.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.02% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.56% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.3M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $6.0M |
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 | 5.95% | 2.56% | 3.58% | 6.32% | 4.78% |
| Q4 2023 | 6.44% | 2.75% | 3.97% | 6.97% | 4.91% |
| Q1 2024 | 6.35% | 3.11% | 3.61% | 6.86% | 4.90% |
| Q2 2024 | 6.65% | 3.06% | 3.84% | 7.17% | 5.07% |
| Q3 2024 | 6.72% | 3.24% | 3.75% | 7.27% | 5.12% |
| Q4 2024 | 6.69% | 3.05% | 3.85% | 7.33% | 4.94% |
| Q1 2025 | 6.57% | 2.96% | 3.79% | 7.26% | 4.80% |
| Q2 2025 | 6.69% | 3.04% | 3.87% | 7.39% | 4.73% |
| Q3 2025 | 6.80% | 3.05% | 3.99% | 7.40% | 5.31% |
| Q4 2025 | 6.86% | 2.96% | 4.15% | 7.60% | 4.95% |
| Q1 2026 | 6.50% | 2.77% | 4.01% | 7.17% | 4.79% |
| Q2 2026 | 6.67% | 2.78% | 4.20% | 7.43% | 4.69% |
Generations 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 Generations 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 Generations Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 88) · FFIEC NIC profile (RSSD 329345)