Home Banking Company: 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 biggest quarter-over-quarter change on this page was a small one: Cost of interest-bearing deposits edged up 0.10 percentage points between Q1 2026 and Q2 2026, to 2.32%. Within Tennessee, Home Banking Company is 75th of 109 on net interest margin, 3.63% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Home Banking Company sits 0.32 points lower, at 3.63% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.15% |
| Yield on loans | 7.80% |
| Yield on securities | 1.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.59% |
| Cost of interest-bearing deposits | 2.32% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.63% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.2M |
| Total interest expense | $459K |
| Interest expense on deposits | $459K |
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 | 4.28% | 1.36% | 2.88% | 6.66% | 1.79% |
| Q4 2023 | 4.50% | 2.21% | 2.17% | 6.98% | 1.78% |
| Q1 2024 | 4.63% | 2.09% | 2.48% | 7.05% | 1.78% |
| Q2 2024 | 4.81% | 2.27% | 2.54% | 7.33% | 1.81% |
| Q3 2024 | 4.85% | 2.38% | 2.45% | 7.40% | 1.86% |
| Q4 2024 | 4.96% | 2.32% | 2.66% | 7.59% | 1.91% |
| Q1 2025 | 4.80% | 1.97% | 2.90% | 7.44% | 1.94% |
| Q2 2025 | 4.86% | 1.92% | 3.00% | 7.29% | 1.91% |
| Q3 2025 | 5.06% | 1.71% | 3.43% | 7.78% | 1.80% |
| Q4 2025 | 5.12% | 1.60% | 3.58% | 7.90% | 1.88% |
| Q1 2026 | 5.10% | 1.51% | 3.62% | 7.79% | 1.88% |
| Q2 2026 | 5.15% | 1.59% | 3.63% | 7.80% | 1.92% |
Home Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Banking Company, 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 Home Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9196) · FFIEC NIC profile (RSSD 138556)