Premier Bank of the South: 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 0.15 percentage points to 4.17%. Within Alabama, Premier Bank of the South is 31st of 93 on net interest margin, 4.17% 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. Premier Bank of the South sits 0.22 points higher, at 4.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 6.95% |
| Yield on securities | 2.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.17% |
| Yield to cost spread | 3.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.0M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.19% | 1.28% | 3.97% | 6.44% | 1.83% |
| Q4 2023 | 5.60% | 1.49% | 4.16% | 6.70% | 2.11% |
| Q1 2024 | 5.46% | 1.54% | 3.95% | 6.78% | 2.38% |
| Q2 2024 | 5.69% | 1.69% | 4.05% | 6.86% | 2.90% |
| Q3 2024 | 5.68% | 1.71% | 4.04% | 7.15% | 2.84% |
| Q4 2024 | 5.66% | 1.62% | 4.13% | 7.09% | 2.64% |
| Q1 2025 | 5.44% | 1.59% | 3.91% | 6.97% | 2.75% |
| Q2 2025 | 5.66% | 1.56% | 4.17% | 7.12% | 2.71% |
| Q3 2025 | 5.49% | 1.54% | 4.03% | 7.11% | 2.37% |
| Q4 2025 | 5.64% | 1.45% | 4.28% | 7.19% | 2.05% |
| Q1 2026 | 5.30% | 1.38% | 4.02% | 6.89% | 2.09% |
| Q2 2026 | 5.45% | 1.37% | 4.17% | 6.95% | 2.04% |
Premier Bank of the South yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Premier Bank of the South, 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 Premier Bank of the South profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27118) · FFIEC NIC profile (RSSD 1160509)