Greenfield Banking Company: 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.
Cost of borrowings dropped 1.95 percentage points in Q2 2026, from 5.03% to 3.09%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Greenfield Banking Company is 67th of 109 on net interest margin, 3.75% 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. Greenfield Banking Company sits 0.20 points lower, at 3.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.75% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.13% |
| Cost of interest-bearing deposits | 3.20% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 3.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.75% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $979K |
| Interest expense on deposits | $962K |
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 |
|---|---|---|---|
| Q3 2023 | 6.53% | 3.21% | 3.62% |
| Q4 2023 | 6.76% | 3.40% | 3.57% |
| Q1 2024 | 6.83% | 3.54% | 3.43% |
| Q2 2024 | 6.89% | 3.75% | 3.40% |
| Q3 2024 | 7.01% | 3.79% | 3.41% |
| Q4 2024 | 6.80% | 3.65% | 3.27% |
| Q1 2025 | 6.89% | 3.44% | 3.50% |
| Q2 2025 | 7.00% | 3.45% | 3.57% |
| Q3 2025 | 7.11% | 3.41% | 3.70% |
| Q4 2025 | 6.91% | 3.22% | 3.73% |
| Q1 2026 | 6.66% | 3.00% | 3.71% |
| Q2 2026 | 6.75% | 3.13% | 3.75% |
Greenfield Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenfield Banking Company, 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 Greenfield Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15255) · FFIEC NIC profile (RSSD 83955)