One Bank of Tennessee: 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 4.21%. One Bank of Tennessee ranks 37th of 109 Tennessee banks on net interest margin, in the upper half at 4.21% (Q2 2026). One Bank of Tennessee reported 4.21% on net interest margin for Q2 2026, 0.50 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.69% |
| Cost of interest-bearing liabilities | 1.69% |
| Cost of borrowings | 1.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.21% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.3M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.33% | 1.58% | 2.80% |
| Q4 2023 | 4.53% | 1.76% | 2.84% |
| Q1 2024 | 4.68% | 1.91% | 2.84% |
| Q2 2024 | 4.92% | 2.01% | 2.98% |
| Q3 2024 | 5.05% | 2.06% | 3.08% |
| Q4 2024 | 5.17% | 1.89% | 3.36% |
| Q1 2025 | 5.16% | 1.70% | 3.52% |
| Q2 2025 | 5.34% | 1.61% | 3.80% |
| Q3 2025 | 5.41% | 1.57% | 3.91% |
| Q4 2025 | 5.42% | 1.48% | 4.03% |
| Q1 2026 | 5.41% | 1.39% | 4.08% |
| Q2 2026 | 5.51% | 1.37% | 4.21% |
One Bank of Tennessee yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock One Bank of Tennessee, 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 One Bank of Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8432) · FFIEC NIC profile (RSSD 99536)