Patriot 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 largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.20 percentage points to 3.58%. Patriot Bank ranks 81st of 109 Tennessee banks on net interest margin, in the lower half at 3.58% (Q2 2026). Patriot Bank reported 3.58% on net interest margin for Q2 2026, 0.37 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.14% |
| Yield on loans | 6.32% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.63% |
| Cost of interest-bearing deposits | 2.07% |
| Cost of interest-bearing liabilities | 2.05% |
| Cost of borrowings | 0.89% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
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 | 4.39% | 1.79% | 2.69% | 5.86% | 2.21% |
| Q4 2023 | 4.70% | 1.81% | 2.98% | 6.17% | 2.47% |
| Q1 2024 | 4.72% | 1.94% | 2.86% | 6.20% | 2.58% |
| Q2 2024 | 5.06% | 1.95% | 3.20% | 6.36% | 2.74% |
| Q3 2024 | 5.03% | 1.81% | 3.31% | 6.44% | 2.63% |
| Q4 2024 | 5.02% | 1.92% | 3.20% | 6.40% | 2.66% |
| Q1 2025 | 4.89% | 1.76% | 3.20% | 6.36% | 2.79% |
| Q2 2025 | 5.17% | 1.67% | 3.54% | 6.55% | 2.86% |
| Q3 2025 | 5.18% | 1.67% | 3.58% | 6.60% | 3.05% |
| Q4 2025 | 5.16% | 1.71% | 3.55% | 6.56% | 3.14% |
| Q1 2026 | 4.96% | 1.64% | 3.38% | 6.22% | 3.10% |
| Q2 2026 | 5.14% | 1.63% | 3.58% | 6.32% | 3.20% |
Patriot 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 Patriot 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 Patriot Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57416) · FFIEC NIC profile (RSSD 3120646)