Midsouth 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 rose 0.18 percentage points from Q1 2026 to Q2 2026, ending at 3.76% against 3.58%. It was the largest change among the key lines on this page. Within Alabama, Midsouth Bank is 51st of 93 on net interest margin, 3.76% 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. Midsouth Bank sits 0.19 points lower, at 3.76% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.54% |
| Yield on securities | 3.33% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.76% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 4.75% | 1.33% | 3.46% | 6.24% | 2.29% |
| Q4 2023 | 4.92% | 1.61% | 3.36% | 6.35% | 2.29% |
| Q1 2024 | 5.01% | 1.83% | 3.23% | 6.44% | 2.37% |
| Q2 2024 | 5.16% | 1.98% | 3.24% | 6.59% | 2.33% |
| Q3 2024 | 5.35% | 2.04% | 3.37% | 6.79% | 2.33% |
| Q4 2024 | 5.27% | 1.81% | 3.53% | 6.70% | 2.33% |
| Q1 2025 | 5.20% | 1.85% | 3.39% | 6.54% | 2.37% |
| Q2 2025 | 5.35% | 1.94% | 3.44% | 6.68% | 2.58% |
| Q3 2025 | 5.41% | 1.97% | 3.49% | 6.79% | 2.69% |
| Q4 2025 | 5.25% | 1.83% | 3.47% | 6.59% | 2.84% |
| Q1 2026 | 5.20% | 1.66% | 3.58% | 6.45% | 3.01% |
| Q2 2026 | 5.36% | 1.63% | 3.76% | 6.54% | 3.33% |
Midsouth 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 Midsouth 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 Midsouth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2777) · FFIEC NIC profile (RSSD 929932)