Richton Bank & Trust Company: 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, Yield on securities fell 0.48 percentage points in Q2 2026 to 3.09%, the biggest move on this page. Within Mississippi, Richton Bank & Trust Company is 16th of 57 on net interest margin, 4.36% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 3.89% on net interest margin. Richton Bank & Trust Company sits 0.48 points higher, at 4.36% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.90% |
| Yield on loans | 6.33% |
| Yield on securities | 3.09% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.62% |
| Cost of interest-bearing deposits | 0.82% |
| Cost of interest-bearing liabilities | 0.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.36% |
| Yield to cost spread | 4.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $327K |
| Total interest expense | $62K |
| Interest expense on deposits | $62K |
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 | 4.10% | 0.50% | 3.65% | 5.46% | 2.50% |
| Q4 2023 | 4.14% | 0.70% | 3.51% | 5.57% | 2.60% |
| Q1 2024 | 4.19% | 0.76% | 3.52% | 5.58% | 2.52% |
| Q2 2024 | 4.26% | 0.76% | 3.59% | 5.70% | 2.52% |
| Q3 2024 | 4.60% | 0.81% | 3.89% | 6.05% | 2.56% |
| Q4 2024 | 4.68% | 0.79% | 4.00% | 6.22% | 2.82% |
| Q1 2025 | 4.45% | 0.75% | 3.81% | 6.00% | 3.07% |
| Q2 2025 | 4.77% | 0.77% | 4.11% | 6.10% | 3.40% |
| Q3 2025 | 5.13% | 0.71% | 4.53% | 6.16% | 4.21% |
| Q4 2025 | 4.65% | 0.56% | 4.18% | 6.03% | 3.39% |
| Q1 2026 | 4.64% | 0.54% | 4.19% | 6.01% | 3.57% |
| Q2 2026 | 4.90% | 0.62% | 4.36% | 6.33% | 3.09% |
Richton Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Richton Bank & Trust Company, 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 Richton Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11817) · FFIEC NIC profile (RSSD 40033)