Harpeth Bank & Trust: 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.
Yield on securities climbed 0.95 percentage points in Q2 2026, from 2.05% to 3.00%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Lineage Bank is 2nd from the bottom among 109 Tennessee banks, 2.43% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Lineage Bank sits 1.51 points lower, at 2.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.29% |
| Yield on loans | 6.65% |
| Yield on securities | 3.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.23% |
| Cost of interest-bearing deposits | 3.45% |
| Cost of interest-bearing liabilities | 3.45% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.43% |
| Yield to cost spread | 1.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.80% | 1.76% | 4.15% | 6.65% | 3.07% |
| Q4 2023 | 6.01% | 2.33% | 3.89% | 6.90% | 3.20% |
| Q1 2024 | 5.59% | 2.99% | 2.77% | 6.64% | 2.55% |
| Q2 2024 | 5.83% | 2.92% | 2.95% | 7.00% | 2.63% |
| Q3 2024 | 5.92% | 3.50% | 2.74% | 7.06% | 2.56% |
| Q4 2024 | 5.43% | 4.02% | 1.73% | 6.56% | 2.51% |
| Q1 2025 | 5.42% | 4.04% | 1.59% | 6.69% | 2.55% |
| Q2 2025 | 5.47% | 3.70% | 1.90% | 6.80% | 2.49% |
| Q3 2025 | 5.64% | 3.68% | 2.12% | 6.79% | 2.34% |
| Q4 2025 | 5.46% | 3.55% | 2.10% | 6.67% | 2.30% |
| Q1 2026 | 5.27% | 3.18% | 2.29% | 6.63% | 2.05% |
| Q2 2026 | 5.29% | 3.23% | 2.43% | 6.65% | 3.00% |
Harpeth Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Harpeth Bank & Trust, 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 Harpeth Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6100) · FFIEC NIC profile (RSSD 321152)