Legends 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.
Compared with Q1 2026, Cost of borrowings rose 0.68 percentage points in Q2 2026 to 4.39%, the biggest move on this page. Within Tennessee, Legends Bank is 53rd of 109 on net interest margin, 3.95% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin; Legends Bank reported 3.95% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 6.74% |
| Yield on securities | 3.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.10% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.95% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.1M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.3M |
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 | 5.38% | 1.96% | 3.21% | 6.26% | 3.24% |
| Q4 2023 | 5.57% | 2.02% | 3.31% | 6.48% | 3.28% |
| Q1 2024 | 5.70% | 2.09% | 3.32% | 6.65% | 3.32% |
| Q2 2024 | 5.83% | 2.10% | 3.48% | 6.78% | 3.33% |
| Q3 2024 | 5.91% | 2.48% | 3.52% | 6.86% | 3.37% |
| Q4 2024 | 5.85% | 2.37% | 3.63% | 6.74% | 3.42% |
| Q1 2025 | 5.79% | 2.27% | 3.64% | 6.64% | 3.41% |
| Q2 2025 | 5.98% | 2.36% | 3.76% | 6.86% | 3.45% |
| Q3 2025 | 6.15% | 2.39% | 3.89% | 6.98% | 3.62% |
| Q4 2025 | 6.03% | 2.22% | 3.96% | 6.87% | 3.47% |
| Q1 2026 | 5.89% | 2.07% | 3.94% | 6.67% | 3.44% |
| Q2 2026 | 5.91% | 2.10% | 3.95% | 6.74% | 3.48% |
Legends 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 Legends 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 Legends Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34936) · FFIEC NIC profile (RSSD 2745426)