Pike National 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.
Compared with Q1 2026, Net interest margin rose 0.36 percentage points in Q2 2026 to 3.94%, the biggest move on this page. Within Mississippi, Pike National Bank is 28th of 57 on net interest margin, 3.94% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Pike National Bank reported 3.94% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.86% |
| Yield on loans | 7.54% |
| Yield on securities | 3.34% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.54% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 4.14% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| 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 | 4.46% | 1.67% | 2.91% | 6.64% | 1.96% |
| Q4 2023 | 4.87% | 1.84% | 3.16% | 6.86% | 2.37% |
| Q1 2024 | 5.26% | 2.03% | 3.33% | 6.84% | 3.39% |
| Q2 2024 | 5.41% | 2.16% | 3.36% | 7.07% | 3.34% |
| Q3 2024 | 5.51% | 2.23% | 3.41% | 7.25% | 3.38% |
| Q4 2024 | 5.56% | 2.22% | 3.53% | 7.46% | 3.32% |
| Q1 2025 | 5.50% | 2.16% | 3.48% | 7.42% | 3.31% |
| Q2 2025 | 5.59% | 2.19% | 3.52% | 7.41% | 3.47% |
| Q3 2025 | 5.67% | 2.14% | 3.67% | 7.58% | 3.47% |
| Q4 2025 | 5.73% | 2.10% | 3.78% | 7.49% | 3.38% |
| Q1 2026 | 5.50% | 2.02% | 3.58% | 7.23% | 3.34% |
| Q2 2026 | 5.86% | 2.04% | 3.94% | 7.54% | 3.34% |
Pike National 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 Pike National 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 Pike National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26379) · FFIEC NIC profile (RSSD 880332)