Nantahala Bank & 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.
Compared with Q1 2026, Net interest margin rose 0.20 percentage points in Q2 2026 to 4.74%, the biggest move on this page. Among 38 North Carolina banks, Nantahala Bank & Trust Company sits 3rd from the top on net interest margin, 4.74% as of Q2 2026. Nantahala Bank & Trust Company reported 4.74% on net interest margin for Q2 2026, 0.79 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.86% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.24% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.74% |
| Yield to cost spread | 4.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $813K |
| Interest expense on deposits | $813K |
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 | 4.38% | 1.62% | 2.81% | 5.62% | 1.90% |
| Q4 2023 | 4.60% | 1.80% | 2.86% | 5.86% | 1.93% |
| Q1 2024 | 4.76% | 2.02% | 2.78% | 5.94% | 1.99% |
| Q2 2024 | 5.04% | 2.00% | 3.09% | 6.26% | 2.02% |
| Q3 2024 | 5.25% | 1.76% | 3.53% | 6.32% | 2.04% |
| Q4 2024 | 5.37% | 1.59% | 3.83% | 6.35% | 2.09% |
| Q1 2025 | 5.42% | 1.43% | 4.03% | 6.30% | 2.24% |
| Q2 2025 | 5.56% | 1.38% | 4.23% | 6.45% | 2.43% |
| Q3 2025 | 5.75% | 1.38% | 4.44% | 6.66% | 3.01% |
| Q4 2025 | 5.76% | 1.34% | 4.49% | 6.70% | 3.18% |
| Q1 2026 | 5.80% | 1.31% | 4.54% | 6.66% | 3.35% |
| Q2 2026 | 5.93% | 1.24% | 4.74% | 6.86% | 3.52% |
Nantahala Bank & 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 Nantahala Bank & 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 Nantahala Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57784) · FFIEC NIC profile (RSSD 3285778)