Heritage 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.
Compared with Q1 2026, Cost of borrowings rose 0.59 percentage points in Q2 2026 to 4.25%, the biggest move on this page. Within Tennessee, Heritage Bank & Trust is 47th of 109 on net interest margin, 4.06% as of Q2 2026, above the middle of the field. At 4.06%, Heritage Bank & Trust's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.26% |
| Yield on loans | 6.64% |
| Yield on securities | 2.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.74% |
| Cost of borrowings | 4.25% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.9M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.52% | 1.96% | 3.61% | 6.10% | 2.71% |
| Q4 2023 | 5.80% | 2.09% | 3.79% | 6.22% | 2.93% |
| Q1 2024 | 5.89% | 2.40% | 3.59% | 6.38% | 2.98% |
| Q2 2024 | 6.09% | 2.48% | 3.77% | 6.55% | 3.04% |
| Q3 2024 | 6.22% | 2.44% | 3.89% | 6.74% | 3.00% |
| Q4 2024 | 6.14% | 2.41% | 3.84% | 6.61% | 3.04% |
| Q1 2025 | 6.01% | 2.30% | 3.83% | 6.51% | 2.94% |
| Q2 2025 | 6.23% | 2.28% | 4.05% | 6.71% | 3.16% |
| Q3 2025 | 6.32% | 2.34% | 4.11% | 6.89% | 3.16% |
| Q4 2025 | 6.25% | 2.32% | 4.04% | 6.73% | 3.17% |
| Q1 2026 | 6.21% | 2.29% | 4.03% | 6.59% | 3.01% |
| Q2 2026 | 6.26% | 2.33% | 4.06% | 6.64% | 2.80% |
Heritage 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 Heritage 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 Heritage Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58220) · FFIEC NIC profile (RSSD 3429219)