North Alabama 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 5.48% to 5.56%, the largest move among the key lines here. Among 93 Alabama banks, North Alabama Bank sits 5th from the top on net interest margin, 5.56% as of Q2 2026. North Alabama Bank reported 5.56% on net interest margin for Q2 2026, 1.61 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.47% |
| Yield on loans | 8.20% |
| Yield on securities | 3.10% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.02% |
| Cost of interest-bearing deposits | 2.67% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.56% |
| Yield to cost spread | 4.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $772K |
| Interest expense on deposits | $772K |
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 | 6.98% | 1.68% | 5.30% | 7.66% | 2.87% |
| Q4 2023 | 7.12% | 1.95% | 5.16% | 7.82% | 2.99% |
| Q1 2024 | 7.06% | 2.05% | 5.04% | 7.81% | 2.55% |
| Q2 2024 | 7.23% | 2.20% | 5.07% | 7.95% | 2.68% |
| Q3 2024 | 7.26% | 2.30% | 5.05% | 7.97% | 2.50% |
| Q4 2024 | 7.25% | 2.33% | 5.00% | 7.93% | 2.89% |
| Q1 2025 | 7.22% | 2.24% | 5.04% | 7.93% | 2.92% |
| Q2 2025 | 7.42% | 2.17% | 5.32% | 8.10% | 3.09% |
| Q3 2025 | 7.30% | 2.09% | 5.30% | 8.12% | 3.08% |
| Q4 2025 | 7.69% | 2.02% | 5.78% | 8.62% | 3.03% |
| Q1 2026 | 7.37% | 1.99% | 5.48% | 8.18% | 3.06% |
| Q2 2026 | 7.47% | 2.02% | 5.56% | 8.20% | 3.10% |
North Alabama 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 North Alabama 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 North Alabama Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27560) · FFIEC NIC profile (RSSD 1402384)