Priorityone 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: Total interest expense edged up 1.9% between Q1 2026 and Q2 2026, to $4.8M. Within Mississippi, Priorityone Bank is 7th of 57 on net interest margin, 4.93% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Priorityone Bank sits 1.22 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.65% |
| Yield on loans | 7.18% |
| Yield on securities | 4.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.33% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 4.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.6M |
| Total interest expense | $4.8M |
| Interest expense on deposits | $4.7M |
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 | 5.58% | 1.57% | 3.91% | 6.17% | 2.84% |
| Q4 2023 | 5.85% | 1.71% | 4.04% | 6.45% | 2.78% |
| Q1 2024 | 6.03% | 1.95% | 3.98% | 6.62% | 2.96% |
| Q2 2024 | 6.18% | 2.03% | 4.07% | 6.81% | 3.18% |
| Q3 2024 | 6.45% | 2.21% | 4.23% | 7.08% | 3.30% |
| Q4 2024 | 6.60% | 2.15% | 4.49% | 7.25% | 3.36% |
| Q1 2025 | 6.39% | 1.98% | 4.44% | 6.99% | 3.58% |
| Q2 2025 | 6.63% | 1.86% | 4.78% | 7.23% | 3.77% |
| Q3 2025 | 6.76% | 1.96% | 4.85% | 7.37% | 3.82% |
| Q4 2025 | 6.70% | 1.91% | 4.84% | 7.25% | 3.94% |
| Q1 2026 | 6.58% | 1.73% | 4.87% | 7.10% | 3.91% |
| Q2 2026 | 6.65% | 1.73% | 4.93% | 7.18% | 4.04% |
Priorityone 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 Priorityone 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 Priorityone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21906) · FFIEC NIC profile (RSSD 956938)