Paragon 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 biggest quarter-over-quarter change on this page was a small one: Total interest expense edged up 1.5% between Q1 2026 and Q2 2026, to $5.1M. Paragon Bank ranks 57th of 109 Tennessee banks on net interest margin, in the lower half at 3.93% (Q2 2026). At 3.93%, Paragon Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.49% |
| Yield on securities | 2.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.48% |
| Cost of interest-bearing deposits | 2.96% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | 3.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.93% |
| Yield to cost spread | 3.17% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.3M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $4.7M |
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 | 5.93% | 2.75% | 3.36% | 6.44% | 1.66% |
| Q4 2023 | 6.30% | 3.10% | 3.41% | 6.76% | 1.96% |
| Q1 2024 | 6.35% | 3.11% | 3.36% | 6.77% | 1.99% |
| Q2 2024 | 6.51% | 2.91% | 3.79% | 6.89% | 2.05% |
| Q3 2024 | 6.73% | 3.22% | 3.66% | 7.09% | 2.10% |
| Q4 2024 | 6.65% | 3.12% | 3.75% | 6.96% | 2.14% |
| Q1 2025 | 6.38% | 2.80% | 3.75% | 6.67% | 2.15% |
| Q2 2025 | 6.50% | 2.72% | 3.95% | 6.80% | 2.24% |
| Q3 2025 | 6.57% | 2.71% | 4.03% | 6.90% | 2.32% |
| Q4 2025 | 6.49% | 2.58% | 4.13% | 6.79% | 2.52% |
| Q1 2026 | 6.18% | 2.47% | 3.87% | 6.38% | 2.61% |
| Q2 2026 | 6.24% | 2.48% | 3.93% | 6.49% | 2.72% |
Paragon 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 Paragon 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 Paragon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57874) · FFIEC NIC profile (RSSD 3288452)