Robertson Banking 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 rose 0.38 percentage points in Q2 2026 to 4.03%, the biggest move on this page. Within Alabama, Robertson Banking Company is 29th of 93 on net interest margin, 4.30% as of Q2 2026, above the middle of the field. Robertson Banking Company reported 4.30% on net interest margin for Q2 2026, 0.35 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.39% |
| Yield on loans | 6.03% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | 4.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.30% |
| Yield to cost spread | 3.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.6M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.1M |
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 | 4.95% | 1.23% | 3.90% | 5.95% | 2.16% |
| Q4 2023 | 5.18% | 1.35% | 3.93% | 6.17% | 2.25% |
| Q1 2024 | 5.13% | 1.40% | 3.83% | 6.03% | 2.39% |
| Q2 2024 | 5.20% | 1.51% | 3.82% | 6.09% | 2.51% |
| Q3 2024 | 5.43% | 1.51% | 4.05% | 6.28% | 2.69% |
| Q4 2024 | 5.33% | 1.42% | 4.04% | 6.08% | 3.13% |
| Q1 2025 | 5.25% | 1.34% | 4.04% | 5.93% | 3.50% |
| Q2 2025 | 5.37% | 1.33% | 4.15% | 6.08% | 3.62% |
| Q3 2025 | 5.39% | 1.33% | 4.20% | 6.15% | 3.63% |
| Q4 2025 | 5.37% | 1.29% | 4.22% | 6.07% | 3.78% |
| Q1 2026 | 5.20% | 1.21% | 4.13% | 5.94% | 3.65% |
| Q2 2026 | 5.39% | 1.21% | 4.30% | 6.03% | 4.03% |
Robertson Banking 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 Robertson Banking 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 Robertson Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 39) · FFIEC NIC profile (RSSD 430036)