Producers Bank & Trust: 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.
Net interest margin fell 0.17 percentage points from Q1 2026 to Q2 2026, ending at 4.06% against 4.23%. It was the largest change among the key lines on this page. Producers Bank & Trust ranks 40th of 78 Arkansas banks on net interest margin, in the lower half at 4.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Producers Bank & Trust reported 4.06% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.98% |
| Yield on loans | 6.74% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.42% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.09% |
| Cost of borrowings | 3.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 2.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $972K |
| Interest expense on deposits | $958K |
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 | 5.74% | 1.65% | 4.16% | 6.56% | 3.38% |
| Q4 2023 | 5.82% | 1.81% | 4.31% | 6.57% | 4.16% |
| Q1 2024 | 5.79% | 2.08% | 4.02% | 6.39% | 4.67% |
| Q2 2024 | 6.06% | 2.25% | 4.19% | 6.91% | 4.79% |
| Q3 2024 | 6.56% | 2.27% | 4.23% | 7.21% | 4.83% |
| Q4 2024 | 6.48% | 2.65% | 4.23% | 7.11% | 4.80% |
| Q1 2025 | 6.20% | 2.19% | 4.28% | 6.99% | 4.46% |
| Q2 2025 | 5.92% | 2.26% | 4.03% | 6.67% | 4.38% |
| Q3 2025 | 6.69% | 2.40% | 4.71% | 7.49% | 4.29% |
| Q4 2025 | 6.53% | 2.41% | 4.65% | 7.40% | 3.99% |
| Q1 2026 | 6.00% | 2.22% | 4.23% | 6.88% | 3.94% |
| Q2 2026 | 5.98% | 2.42% | 4.06% | 6.74% | 3.85% |
Producers Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Producers Bank & Trust, 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 Producers Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11242) · FFIEC NIC profile (RSSD 897648)