Insbank: 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 0.67 percentage points in Q2 2026 to 3.89%, the biggest move on this page. Insbank ranks 97th of 109 Tennessee banks on net interest margin, in the lower half at 3.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Insbank sits 0.40 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 6.52% |
| Yield on securities | 5.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.23% |
| Cost of interest-bearing deposits | 3.51% |
| Cost of interest-bearing liabilities | 3.57% |
| Cost of borrowings | 3.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.9M |
| Total interest expense | $7.7M |
| Interest expense on deposits | $7.2M |
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 | 6.31% | 3.16% | 3.43% | 6.36% | 4.95% |
| Q4 2023 | 6.47% | 3.48% | 3.28% | 6.59% | 4.24% |
| Q1 2024 | 6.40% | 3.61% | 3.07% | 6.52% | 3.69% |
| Q2 2024 | 6.37% | 3.69% | 3.03% | 6.57% | 3.85% |
| Q3 2024 | 6.56% | 4.19% | 3.20% | 6.85% | 3.54% |
| Q4 2024 | 6.45% | 3.64% | 3.17% | 6.77% | 4.21% |
| Q1 2025 | 6.24% | 3.40% | 3.12% | 6.54% | 3.75% |
| Q2 2025 | 6.43% | 3.36% | 3.36% | 6.76% | 3.67% |
| Q3 2025 | 6.50% | 3.44% | 3.38% | 6.82% | 4.38% |
| Q4 2025 | 6.37% | 3.34% | 3.31% | 6.70% | 4.38% |
| Q1 2026 | 6.45% | 3.25% | 3.43% | 6.80% | 4.57% |
| Q2 2026 | 6.30% | 3.23% | 3.31% | 6.52% | 5.05% |
Insbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Insbank, 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 Insbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35521) · FFIEC NIC profile (RSSD 2877345)