Newport Federal 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.13 percentage points to 2.84%. Newport Federal Bank has the 5th lowest net interest margin of the 109 banks headquartered in Tennessee, at 2.84% as of Q2 2026. Newport Federal Bank reported 2.84% on net interest margin for Q2 2026, 1.11 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.38% |
| Yield on loans | 5.95% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.84% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.84% |
| Yield to cost spread | 2.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 3.75% | 1.25% | 2.42% | 5.15% | 2.48% |
| Q4 2023 | 3.89% | 1.52% | 2.27% | 5.29% | 2.53% |
| Q1 2024 | 3.96% | 1.64% | 2.21% | 5.31% | 2.57% |
| Q2 2024 | 4.10% | 1.74% | 2.22% | 5.49% | 2.53% |
| Q3 2024 | 4.14% | 1.80% | 2.21% | 5.60% | 2.58% |
| Q4 2024 | 4.20% | 1.86% | 2.22% | 5.62% | 2.63% |
| Q1 2025 | 4.18% | 1.71% | 2.35% | 5.73% | 2.73% |
| Q2 2025 | 4.21% | 1.65% | 2.51% | 5.78% | 2.71% |
| Q3 2025 | 4.32% | 1.73% | 2.61% | 5.95% | 2.72% |
| Q4 2025 | 4.41% | 1.74% | 2.70% | 6.00% | 2.79% |
| Q1 2026 | 4.29% | 1.61% | 2.71% | 5.91% | 2.78% |
| Q2 2026 | 4.38% | 1.56% | 2.84% | 5.95% | 2.88% |
Newport Federal 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 Newport Federal 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 Newport Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29089) · FFIEC NIC profile (RSSD 894272)