Partners 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.
Cost of borrowings climbed 1.56 percentage points in Q2 2026, from 3.57% to 5.13%. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Partners Bank is 17th of 78 on net interest margin, 4.43% as of Q2 2026, above the middle of the field. Partners Bank reported 4.43% on net interest margin for Q2 2026, 0.48 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 6.59% |
| Yield on securities | 3.76% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.08% |
| Cost of interest-bearing deposits | 2.69% |
| Cost of interest-bearing liabilities | 2.67% |
| Cost of borrowings | 5.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.43% |
| Yield to cost spread | 3.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.8M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.8M |
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 | 5.79% | 2.34% | 3.61% | 6.15% | 2.25% |
| Q4 2023 | 5.75% | 2.38% | 3.56% | 6.08% | 2.43% |
| Q1 2024 | 5.93% | 2.37% | 3.76% | 6.19% | 3.47% |
| Q2 2024 | 6.12% | 2.50% | 3.85% | 6.37% | 3.51% |
| Q3 2024 | 6.33% | 2.69% | 3.89% | 6.59% | 3.49% |
| Q4 2024 | 6.15% | 2.51% | 3.87% | 6.41% | 3.38% |
| Q1 2025 | 6.08% | 2.24% | 4.05% | 6.35% | 3.41% |
| Q2 2025 | 6.37% | 2.31% | 4.29% | 6.60% | 4.01% |
| Q3 2025 | 6.30% | 2.52% | 4.05% | 6.56% | 3.62% |
| Q4 2025 | 6.39% | 2.30% | 4.35% | 6.67% | 3.60% |
| Q1 2026 | 6.16% | 2.03% | 4.37% | 6.52% | 3.49% |
| Q2 2026 | 6.24% | 2.08% | 4.43% | 6.59% | 3.76% |
Partners 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 Partners 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 Partners Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15729) · FFIEC NIC profile (RSSD 335346)