Insouth 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 0.18 percentage points from Q1 2026 to Q2 2026, ending at 4.38% against 4.20%. It was the largest change among the key lines on this page. Within Tennessee, Insouth Bank is 24th of 109 on net interest margin, 4.38% as of Q2 2026, above the middle of the field. Insouth Bank reported 4.38% on net interest margin for Q2 2026, 0.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 6.89% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.39% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.82% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.8M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.4M |
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 | 5.96% | 1.70% | 4.31% | 6.60% | 2.62% |
| Q4 2023 | 6.20% | 1.84% | 4.41% | 6.87% | 2.75% |
| Q1 2024 | 6.24% | 1.96% | 4.33% | 6.93% | 2.92% |
| Q2 2024 | 6.35% | 2.08% | 4.31% | 7.01% | 3.07% |
| Q3 2024 | 6.44% | 2.25% | 4.20% | 7.09% | 3.16% |
| Q4 2024 | 6.42% | 2.17% | 4.30% | 7.06% | 3.25% |
| Q1 2025 | 6.30% | 2.11% | 4.20% | 6.89% | 3.33% |
| Q2 2025 | 6.44% | 2.08% | 4.37% | 7.04% | 3.44% |
| Q3 2025 | 6.54% | 2.15% | 4.40% | 7.11% | 3.48% |
| Q4 2025 | 6.36% | 2.09% | 4.29% | 6.84% | 3.49% |
| Q1 2026 | 6.20% | 2.01% | 4.20% | 6.66% | 3.49% |
| Q2 2026 | 6.39% | 2.02% | 4.38% | 6.89% | 3.63% |
Insouth 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 Insouth 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 Insouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22020) · FFIEC NIC profile (RSSD 329550)