Great Southern 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 biggest quarter-over-quarter change on this page was a small one: Yield on loans edged up 0.22 percentage points between Q1 2026 and Q2 2026, to 6.79%. Within Mississippi, Great Southern Bank is 47th of 57 on net interest margin, 3.38% as of Q2 2026, below the middle of the field. Great Southern Bank reported 3.38% on net interest margin for Q2 2026, 0.57 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.37% |
| Yield on loans | 6.79% |
| Yield on securities | 2.41% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.05% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.38% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.4M |
| Total interest expense | $833K |
| Interest expense on deposits | $765K |
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 | 4.39% | 1.05% | 3.39% | 7.63% | 2.06% |
| Q4 2023 | 4.56% | 1.20% | 3.43% | 7.88% | 2.05% |
| Q1 2024 | 4.52% | 1.38% | 3.20% | 7.83% | 2.05% |
| Q2 2024 | 4.60% | 1.56% | 3.12% | 7.86% | 2.04% |
| Q3 2024 | 4.66% | 1.65% | 3.10% | 8.10% | 2.04% |
| Q4 2024 | 4.13% | 1.55% | 2.69% | 6.71% | 2.10% |
| Q1 2025 | 3.93% | 1.35% | 2.65% | 6.51% | 2.03% |
| Q2 2025 | 4.13% | 1.22% | 2.96% | 6.64% | 2.20% |
| Q3 2025 | 4.28% | 1.15% | 3.18% | 6.84% | 2.16% |
| Q4 2025 | 4.33% | 1.04% | 3.34% | 6.88% | 2.15% |
| Q1 2026 | 4.20% | 0.95% | 3.30% | 6.57% | 2.22% |
| Q2 2026 | 4.37% | 1.05% | 3.38% | 6.79% | 2.41% |
Great Southern 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 Great Southern 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 Great Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8552) · FFIEC NIC profile (RSSD 101738)