Marion Community 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.
Total interest expense rose 3.5% from Q1 2026 to Q2 2026, ending at $1.4M against $1.3M. It was the largest change among the key lines on this page. Within Alabama, Marion Community Bank is 38th of 93 on net interest margin, 4.04% as of Q2 2026, above the middle of the field. At 4.04%, Marion Community Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.67% |
| Yield on loans | 7.13% |
| Yield on securities | 2.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.67% |
| Cost of interest-bearing deposits | 2.22% |
| Cost of interest-bearing liabilities | 2.26% |
| Cost of borrowings | 4.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 3.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $1.3M |
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 | 4.63% | 2.13% | 2.77% | 6.17% | 2.29% |
| Q4 2023 | 4.78% | 2.07% | 2.81% | 6.41% | 2.36% |
| Q1 2024 | 4.87% | 2.17% | 2.80% | 6.48% | 2.32% |
| Q2 2024 | 5.11% | 2.24% | 2.96% | 6.79% | 2.34% |
| Q3 2024 | 5.31% | 2.45% | 2.93% | 7.08% | 2.34% |
| Q4 2024 | 5.28% | 2.40% | 2.96% | 7.05% | 2.35% |
| Q1 2025 | 5.36% | 2.10% | 3.32% | 7.11% | 2.39% |
| Q2 2025 | 5.28% | 1.98% | 3.35% | 6.99% | 2.42% |
| Q3 2025 | 5.71% | 1.96% | 3.81% | 7.32% | 2.58% |
| Q4 2025 | 5.69% | 1.85% | 3.90% | 7.28% | 2.54% |
| Q1 2026 | 5.62% | 1.64% | 4.03% | 7.11% | 2.47% |
| Q2 2026 | 5.67% | 1.67% | 4.04% | 7.13% | 2.45% |
Marion Community 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 Marion Community 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 Marion Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14184) · FFIEC NIC profile (RSSD 449832)