Lawrenceburg Federal 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 fell 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.56% against 3.75%. It was the largest change among the key lines on this page. Within Tennessee, Lawrenceburg Federal Bank is 83rd of 109 on net interest margin, 3.56% as of Q2 2026, below the middle of the field. Lawrenceburg Federal Bank reported 3.56% on net interest margin for Q2 2026, 0.33 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.32% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.95% |
| Cost of interest-bearing deposits | 2.99% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.99% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $564K |
| Interest expense on deposits | $564K |
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 |
|---|---|---|---|---|
| Q3 2023 | 5.26% | 2.36% | 3.41% | 5.29% |
| Q4 2023 | 5.53% | 2.84% | 3.30% | 5.59% |
| Q1 2024 | 5.41% | 3.01% | 3.03% | 5.53% |
| Q2 2024 | 5.59% | 3.02% | 3.16% | 5.68% |
| Q3 2024 | 5.85% | 3.37% | 3.13% | 5.96% |
| Q4 2024 | 5.77% | 3.22% | 2.94% | 6.03% |
| Q1 2025 | 5.94% | 3.44% | 3.14% | 6.05% |
| Q2 2025 | 6.17% | 3.19% | 3.60% | 6.38% |
| Q3 2025 | 5.86% | 3.18% | 3.31% | 6.03% |
| Q4 2025 | 6.15% | 2.99% | 3.70% | 6.41% |
| Q1 2026 | 6.12% | 2.89% | 3.75% | 6.51% |
| Q2 2026 | 5.98% | 2.95% | 3.56% | 6.32% |
Lawrenceburg Federal 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 Lawrenceburg Federal 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 Lawrenceburg Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29186) · FFIEC NIC profile (RSSD 834175)