River 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.
Total interest expense rose 3.9% from Q1 2026 to Q2 2026, ending at $18.0M against $17.3M. It was the largest change among the key lines on this page. River Bank & Trust ranks 48th of 93 Alabama banks on net interest margin, in the lower half at 3.79% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; River Bank & Trust reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.71% |
| Yield on loans | 6.55% |
| Yield on securities | 3.25% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.01% |
| Cost of interest-bearing deposits | 2.45% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.6M |
| Total interest expense | $18.0M |
| Interest expense on deposits | $17.0M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.62% | 1.95% | 2.75% | 5.75% | 1.84% |
| Q4 2023 | 4.80% | 2.15% | 2.76% | 5.93% | 1.89% |
| Q1 2024 | 4.96% | 2.26% | 2.81% | 6.07% | 1.88% |
| Q2 2024 | 5.10% | 2.39% | 2.83% | 6.20% | 1.94% |
| Q3 2024 | 5.30% | 2.44% | 2.98% | 6.42% | 2.02% |
| Q4 2024 | 5.36% | 2.36% | 3.11% | 6.48% | 2.17% |
| Q1 2025 | 5.41% | 2.21% | 3.31% | 6.40% | 2.54% |
| Q2 2025 | 5.55% | 2.21% | 3.45% | 6.55% | 2.65% |
| Q3 2025 | 5.67% | 2.23% | 3.56% | 6.68% | 2.76% |
| Q4 2025 | 5.70% | 2.17% | 3.64% | 6.63% | 3.04% |
| Q1 2026 | 5.64% | 1.99% | 3.74% | 6.46% | 3.17% |
| Q2 2026 | 5.71% | 2.01% | 3.79% | 6.55% | 3.25% |
River 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 River 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 River Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58255) · FFIEC NIC profile (RSSD 3437157)