Mountain Valley 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 fell 3.2% from Q1 2026 to Q2 2026, ending at $1.3M against $1.3M. It was the largest change among the key lines on this page. Within Tennessee, Mountain Valley Bank is 49th of 109 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. At 4.02%, Mountain Valley 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 | 6.18% |
| Yield on loans | 6.78% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 4.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $998K |
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 | 5.61% | 2.24% | 3.52% | 6.31% | 1.87% |
| Q4 2023 | 5.67% | 2.49% | 3.34% | 6.35% | 1.96% |
| Q1 2024 | 5.83% | 2.54% | 3.43% | 6.51% | 1.95% |
| Q2 2024 | 6.01% | 2.45% | 3.67% | 6.68% | 2.04% |
| Q3 2024 | 6.13% | 2.73% | 3.52% | 6.85% | 2.11% |
| Q4 2024 | 6.08% | 2.77% | 3.47% | 6.73% | 2.16% |
| Q1 2025 | 6.05% | 2.67% | 3.53% | 6.63% | 2.60% |
| Q2 2025 | 6.06% | 2.60% | 3.57% | 6.63% | 2.51% |
| Q3 2025 | 6.24% | 2.55% | 3.82% | 6.84% | 2.61% |
| Q4 2025 | 6.26% | 2.46% | 3.96% | 6.90% | 2.81% |
| Q1 2026 | 6.06% | 2.32% | 3.90% | 6.70% | 2.88% |
| Q2 2026 | 6.18% | 2.29% | 4.02% | 6.78% | 2.96% |
Mountain Valley 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 Mountain Valley 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 Mountain Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1705) · FFIEC NIC profile (RSSD 714437)