Heritage Community 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.33 percentage points to 4.22%. Heritage Community Bank ranks 35th of 109 Tennessee banks on net interest margin, in the upper half at 4.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Heritage Community Bank sits 0.27 points higher, at 4.22% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.44% |
| Yield on loans | 6.78% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.32% |
| Cost of interest-bearing deposits | 2.59% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.36% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.22% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $938K |
| Interest expense on deposits | $854K |
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 | 5.74% | 2.01% | 3.81% | 5.81% | 4.17% |
| Q4 2023 | 5.82% | 2.29% | 3.64% | 5.88% | 4.20% |
| Q1 2024 | 5.86% | 2.52% | 3.50% | 5.90% | 4.14% |
| Q2 2024 | 6.22% | 2.58% | 3.86% | 6.34% | 4.20% |
| Q3 2024 | 6.44% | 2.63% | 3.94% | 6.56% | 4.26% |
| Q4 2024 | 6.25% | 2.59% | 3.78% | 6.44% | 3.98% |
| Q1 2025 | 6.21% | 2.51% | 3.82% | 6.40% | 3.65% |
| Q2 2025 | 6.21% | 2.45% | 3.87% | 6.44% | 3.84% |
| Q3 2025 | 6.43% | 2.43% | 4.11% | 6.70% | 3.50% |
| Q4 2025 | 6.47% | 2.48% | 4.13% | 6.80% | 3.44% |
| Q1 2026 | 6.16% | 2.37% | 3.89% | 6.47% | 3.06% |
| Q2 2026 | 6.44% | 2.32% | 4.22% | 6.78% | 3.05% |
Heritage Community 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 Heritage Community 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 Heritage Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57656) · FFIEC NIC profile (RSSD 3224478)