The Hardin County 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.09% against 3.89%. It was the largest change among the key lines on this page. Within Tennessee, The Hardin County Bank is 43rd of 109 on net interest margin, 4.09% as of Q2 2026, above the middle of the field. The Hardin County Bank reported 4.09% on net interest margin for Q2 2026, 0.14 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 3.12% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 2.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.2M |
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 | 5.43% | 1.74% | 3.75% |
| Q4 2023 | 5.71% | 2.03% | 3.75% |
| Q1 2024 | 5.84% | 2.15% | 3.72% |
| Q2 2024 | 6.00% | 2.25% | 3.82% |
| Q3 2024 | 6.38% | 2.39% | 4.09% |
| Q4 2024 | 6.35% | 2.44% | 4.00% |
| Q1 2025 | 6.03% | 2.31% | 3.78% |
| Q2 2025 | 6.06% | 2.28% | 3.85% |
| Q3 2025 | 6.32% | 2.20% | 4.14% |
| Q4 2025 | 6.28% | 2.16% | 4.15% |
| Q1 2026 | 5.95% | 2.03% | 3.89% |
| Q2 2026 | 6.08% | 1.94% | 4.09% |
The Hardin County 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 The Hardin County 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 The Hardin County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20993) · FFIEC NIC profile (RSSD 526854)