Lawrence 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.
Yield to cost spread climbed 0.90 percentage points in Q2 2026, from 2.58% to 3.48%. It was the largest change from Q1 2026 among the key lines here. Lawrence Bank ranks 53rd of 109 Tennessee banks on net interest margin, in the upper half at 3.95% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Lawrence Bank sits 0.24 points higher, at 3.95% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 6.39% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.37% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $36.5M |
| Total interest expense | $13.3M |
| Interest expense on deposits | $13.2M |
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 | 5.69% | 1.49% | 4.23% | 6.35% | 3.13% |
| Q4 2023 | 5.71% | 1.85% | 3.84% | 6.28% | 3.15% |
| Q1 2024 | 5.79% | 2.00% | 3.76% | 6.37% | 3.14% |
| Q2 2024 | 6.00% | 2.08% | 3.90% | 6.62% | 3.14% |
| Q3 2024 | 6.09% | 2.69% | 3.58% | 6.65% | 3.53% |
| Q4 2024 | 6.04% | 2.38% | 3.74% | 6.57% | 3.65% |
| Q1 2025 | 5.86% | 2.14% | 3.78% | 6.37% | 3.59% |
| Q2 2025 | 6.03% | 2.18% | 3.88% | 6.59% | 3.50% |
| Q3 2025 | 6.12% | 2.23% | 3.96% | 6.73% | 3.59% |
| Q4 2025 | 5.99% | 2.12% | 3.96% | 6.57% | 3.48% |
| Q1 2026 | 5.75% | 2.07% | 3.84% | 6.28% | 3.31% |
| Q2 2026 | 5.86% | 2.01% | 3.95% | 6.39% | 3.28% |
Lawrence 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 Lawrence 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 Lawrence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22451) · FFIEC NIC profile (RSSD 774132)