Grand Bank for Savings, F.S.B.: 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 0.14 percentage points to 4.31%. Grand Bank for Savings, F.S.B. ranks 19th of 57 Mississippi banks on net interest margin, in the upper half at 4.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Grand Bank for Savings, F.S.B. sits 0.36 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.56% |
| Yield on loans | 8.61% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.50% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.51% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 4.05% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.57% | 3.75% | 4.19% | 8.12% |
| Q4 2023 | 9.50% | 4.11% | 5.66% | 9.70% |
| Q1 2024 | 8.32% | 4.51% | 4.12% | 8.77% |
| Q2 2024 | 8.11% | 4.40% | 3.61% | 8.60% |
| Q3 2024 | 8.43% | 4.83% | 3.86% | 9.03% |
| Q4 2024 | 8.39% | 4.50% | 3.96% | 9.15% |
| Q1 2025 | 8.01% | 4.39% | 3.91% | 8.80% |
| Q2 2025 | 7.99% | 4.19% | 4.07% | 8.88% |
| Q3 2025 | 7.79% | 4.14% | 4.01% | 9.76% |
| Q4 2025 | 7.52% | 3.77% | 4.03% | 8.93% |
| Q1 2026 | 7.42% | 3.50% | 4.17% | 8.79% |
| Q2 2026 | 7.56% | 3.50% | 4.31% | 8.61% |
Grand Bank for Savings, F.S.B. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Bank for Savings, F.S.B., 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 Grand Bank for Savings, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31864) · FFIEC NIC profile (RSSD 68671)