Homeland 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 3.40% against 3.24%. It was the largest change among the key lines on this page. Within Tennessee, Homeland Community Bank is 92nd of 109 on net interest margin, 3.40% as of Q2 2026, below the middle of the field. Homeland Community Bank reported 3.40% on net interest margin for Q2 2026, 0.55 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 6.81% |
| Yield on securities | 2.02% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.55% |
| Cost of interest-bearing deposits | 1.91% |
| Cost of interest-bearing liabilities | 1.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.40% |
| Yield to cost spread | 2.97% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $883K |
| Interest expense on deposits | $883K |
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 | 4.30% | 1.64% | 2.72% | 6.07% | 2.14% |
| Q4 2023 | 4.64% | 1.71% | 3.01% | 6.49% | 2.09% |
| Q1 2024 | 4.64% | 1.86% | 2.86% | 6.60% | 1.88% |
| Q2 2024 | 4.87% | 1.92% | 3.03% | 6.86% | 1.88% |
| Q3 2024 | 5.00% | 2.09% | 3.00% | 7.12% | 1.87% |
| Q4 2024 | 5.00% | 2.16% | 2.95% | 7.11% | 1.85% |
| Q1 2025 | 4.94% | 2.09% | 2.93% | 6.99% | 1.89% |
| Q2 2025 | 4.99% | 2.06% | 3.03% | 6.97% | 1.99% |
| Q3 2025 | 5.00% | 2.00% | 3.11% | 7.06% | 1.97% |
| Q4 2025 | 4.99% | 1.84% | 3.25% | 7.03% | 1.99% |
| Q1 2026 | 4.80% | 1.65% | 3.24% | 6.72% | 2.02% |
| Q2 2026 | 4.88% | 1.55% | 3.40% | 6.81% | 2.02% |
Homeland 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 Homeland 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 Homeland Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57632) · FFIEC NIC profile (RSSD 3223408)