Merchants & Farmers Bank of Greene County: 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 on loans fell 0.32 percentage points from Q1 2026 to Q2 2026, ending at 6.56% against 6.88%. It was the largest change among the key lines on this page. Within Alabama, Merchants & Farmers Bank of Greene County is 73rd of 93 on net interest margin, 3.33% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Merchants & Farmers Bank of Greene County sits 0.62 points lower, at 3.33% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.46% |
| Yield on loans | 6.56% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.36% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.33% |
| Yield to cost spread | 2.52% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.4M |
| Total interest expense | $688K |
| Interest expense on deposits | $688K |
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 | 5.05% | 1.56% | 3.65% | 6.60% | 1.91% |
| Q4 2023 | 5.32% | 1.58% | 3.89% | 6.84% | 1.98% |
| Q1 2024 | 5.48% | 1.80% | 3.82% | 6.85% | 2.55% |
| Q2 2024 | 5.57% | 1.97% | 3.84% | 6.97% | 2.78% |
| Q3 2024 | 5.90% | 2.00% | 4.12% | 7.40% | 2.82% |
| Q4 2024 | 5.80% | 1.98% | 3.98% | 7.31% | 2.84% |
| Q1 2025 | 5.39% | 2.02% | 3.56% | 6.79% | 2.98% |
| Q2 2025 | 5.72% | 2.07% | 3.91% | 7.23% | 3.05% |
| Q3 2025 | 5.76% | 2.05% | 3.98% | 7.17% | 3.09% |
| Q4 2025 | 5.76% | 2.23% | 3.78% | 7.19% | 3.14% |
| Q1 2026 | 5.53% | 2.32% | 3.46% | 6.88% | 3.14% |
| Q2 2026 | 5.46% | 2.36% | 3.33% | 6.56% | 3.34% |
Merchants & Farmers Bank of Greene County yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants & Farmers Bank of Greene County, 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 Merchants & Farmers Bank of Greene County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 855) · FFIEC NIC profile (RSSD 376237)