Pinnacle 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.
Yield on loans dropped 2.05 percentage points in Q2 2026, from 8.02% to 5.97%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Pinnacle Bank is 91st of 109 on net interest margin, 3.44% as of Q2 2026, below the middle of the field. At 3.44%, Pinnacle Bank's net interest margin is close to the 3.43% median for banks in the $100B-250B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.54% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.23% |
| Cost of interest-bearing deposits | 2.66% |
| Cost of interest-bearing liabilities | 2.70% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.44% |
| Yield to cost spread | 2.84% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.30B |
| Total interest expense | $596.2M |
| Interest expense on deposits | $539.0M |
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 |
|---|---|---|---|
| Q3 2023 | 5.89% | 3.04% | 3.06% |
| Q4 2023 | 5.99% | 3.18% | 3.03% |
| Q1 2024 | 5.97% | 3.16% | 3.00% |
| Q2 2024 | 6.06% | 3.17% | 3.09% |
| Q3 2024 | 6.21% | 3.18% | 3.23% |
| Q4 2024 | 5.89% | 2.86% | 3.22% |
| Q1 2025 | 5.59% | 2.62% | 3.13% |
| Q2 2025 | 5.67% | 2.66% | 3.18% |
| Q3 2025 | 5.72% | 2.67% | 3.23% |
| Q4 2025 | 5.49% | 2.45% | 3.21% |
| Q1 2026 | 5.53% | 2.31% | 3.47% |
| Q2 2026 | 5.54% | 2.23% | 3.44% |
Pinnacle 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 Pinnacle 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 Pinnacle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35583) · FFIEC NIC profile (RSSD 2925666)