Highland Federal Savings & Loan Association: 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, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.71%, the biggest move on this page. Highland Federal Savings & Loan Association ranks 71st of 109 Tennessee banks on net interest margin, in the lower half at 3.71% (Q2 2026). Highland Federal Savings & Loan Association reported 3.71% on net interest margin for Q2 2026, 0.18 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.94% |
| Yield on loans | 6.13% |
| Yield on securities | 1.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.46% |
| Cost of interest-bearing deposits | 1.66% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.71% |
| Yield to cost spread | 3.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $579K |
| Total interest expense | $221K |
| Interest expense on deposits | $221K |
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 | 4.51% | 1.10% | 3.57% | 5.24% | 3.54% |
| Q4 2023 | 4.81% | 1.36% | 3.64% | 5.31% | 3.18% |
| Q1 2024 | 4.81% | 1.51% | 3.53% | 5.38% | 2.74% |
| Q2 2024 | 5.14% | 1.56% | 3.83% | 5.63% | 3.67% |
| Q3 2024 | 5.22% | 1.63% | 3.86% | 5.78% | 3.89% |
| Q4 2024 | 5.19% | 1.62% | 3.82% | 5.80% | 3.44% |
| Q1 2025 | 4.93% | 1.52% | 3.64% | 5.71% | 2.62% |
| Q2 2025 | 5.12% | 1.54% | 3.83% | 5.96% | 2.30% |
| Q3 2025 | 4.87% | 1.54% | 3.57% | 5.66% | 1.32% |
| Q4 2025 | 5.02% | 1.56% | 3.71% | 5.95% | 1.38% |
| Q1 2026 | 4.80% | 1.47% | 3.58% | 6.04% | 1.28% |
| Q2 2026 | 4.94% | 1.46% | 3.71% | 6.13% | 1.35% |
Highland Federal Savings & Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Highland Federal Savings & Loan Association, 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 Highland Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31232) · FFIEC NIC profile (RSSD 652070)