Noblebank & Trust: 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 0.15 percentage points in Q2 2026 to 4.40%, the biggest move on this page. Within Alabama, Noblebank & Trust is 28th of 93 on net interest margin, 4.40% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Noblebank & Trust sits 0.45 points higher, at 4.40% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | 6.55% |
| Yield on securities | 3.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.63% |
| Cost of interest-bearing liabilities | 1.66% |
| Cost of borrowings | 25.86% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.40% |
| Yield to cost spread | 3.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.20% | 1.30% | 3.94% | 6.13% | 3.21% |
| Q4 2023 | 5.32% | 1.32% | 4.04% | 6.27% | 3.19% |
| Q1 2024 | 5.33% | 1.39% | 3.98% | 6.31% | 3.19% |
| Q2 2024 | 5.42% | 1.39% | 4.07% | 6.40% | 3.20% |
| Q3 2024 | 5.50% | 1.48% | 4.06% | 6.62% | 3.27% |
| Q4 2024 | 5.50% | 1.50% | 4.04% | 6.55% | 3.50% |
| Q1 2025 | 5.44% | 1.33% | 4.14% | 6.44% | 3.58% |
| Q2 2025 | 5.56% | 1.35% | 4.25% | 6.63% | 3.59% |
| Q3 2025 | 5.60% | 1.37% | 4.27% | 6.63% | 3.63% |
| Q4 2025 | 5.52% | 1.31% | 4.26% | 6.65% | 3.68% |
| Q1 2026 | 5.41% | 1.20% | 4.25% | 6.38% | 3.62% |
| Q2 2026 | 5.54% | 1.20% | 4.40% | 6.55% | 3.67% |
Noblebank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Noblebank & Trust, 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 Noblebank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58111) · FFIEC NIC profile (RSSD 3385744)