Phenix-Girard 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: Yield on loans edged down 0.18 percentage points between Q1 2026 and Q2 2026, to 7.34%. Phenix-Girard Bank has the 4th lowest net interest margin of the 93 banks headquartered in Alabama, at 2.52% as of Q2 2026. Phenix-Girard Bank reported 2.52% on net interest margin for Q2 2026, 1.43 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.23% |
| Yield on loans | 7.34% |
| Yield on securities | 3.31% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.52% |
| Yield to cost spread | 1.81% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| 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 | 4.14% | 2.05% | 2.25% | 6.73% | 2.90% |
| Q4 2023 | 4.38% | 2.02% | 2.47% | 6.67% | 3.29% |
| Q1 2024 | 4.06% | 2.06% | 2.23% | 6.91% | 2.90% |
| Q2 2024 | 4.15% | 2.06% | 2.33% | 7.16% | 2.99% |
| Q3 2024 | 4.19% | 2.10% | 2.34% | 7.31% | 2.96% |
| Q4 2024 | 4.19% | 2.13% | 2.31% | 7.41% | 2.95% |
| Q1 2025 | 4.23% | 2.07% | 2.40% | 7.53% | 3.09% |
| Q2 2025 | 4.23% | 2.05% | 2.42% | 7.26% | 3.19% |
| Q3 2025 | 4.32% | 2.06% | 2.49% | 7.45% | 3.22% |
| Q4 2025 | 4.28% | 2.00% | 2.51% | 7.70% | 3.20% |
| Q1 2026 | 4.23% | 1.88% | 2.55% | 7.52% | 3.25% |
| Q2 2026 | 4.23% | 1.94% | 2.52% | 7.34% | 3.31% |
Phenix-Girard 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 Phenix-Girard 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 Phenix-Girard Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 41) · FFIEC NIC profile (RSSD 432432)