Macon Bank and Trust Company: 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.8% to $4.8M. Macon Bank and Trust Company 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 $100M-1B asset tier is 3.95% on net interest margin. Macon Bank and Trust Company sits 0.64 points lower, at 3.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.70% |
| Yield on loans | 7.36% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.56% |
| Cost of interest-bearing deposits | 2.87% |
| Cost of interest-bearing liabilities | 2.87% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.31% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.3M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.8M |
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 | 4.87% | 2.39% | 2.64% | 6.76% | 2.75% |
| Q4 2023 | 5.02% | 2.52% | 2.65% | 6.94% | 2.75% |
| Q1 2024 | 5.16% | 2.73% | 2.59% | 7.04% | 2.77% |
| Q2 2024 | 5.36% | 2.82% | 2.73% | 7.32% | 2.72% |
| Q3 2024 | 5.60% | 2.89% | 2.92% | 7.55% | 2.76% |
| Q4 2024 | 5.67% | 2.81% | 3.04% | 7.66% | 2.72% |
| Q1 2025 | 5.53% | 2.70% | 2.99% | 7.43% | 2.59% |
| Q2 2025 | 5.69% | 2.62% | 3.24% | 7.57% | 2.63% |
| Q3 2025 | 5.95% | 2.64% | 3.48% | 7.86% | 2.59% |
| Q4 2025 | 5.82% | 2.58% | 3.40% | 7.61% | 2.60% |
| Q1 2026 | 5.72% | 2.48% | 3.38% | 7.43% | 2.65% |
| Q2 2026 | 5.70% | 2.56% | 3.31% | 7.36% | 2.67% |
Macon Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Macon Bank and Trust Company, 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 Macon Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6091) · FFIEC NIC profile (RSSD 709639)