Rockpointbank, N.A.: 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.
Cost of borrowings dropped 1.77 percentage points in Q2 2026, from 4.17% to 2.40%. It was the largest change from Q1 2026 among the key lines here. Rockpointbank, N.A. has the 9th lowest net interest margin of the 109 banks headquartered in Tennessee, at 3.23% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Rockpointbank, N.A. sits 0.72 points lower, at 3.23% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.66% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.61% |
| Cost of interest-bearing deposits | 3.11% |
| Cost of interest-bearing liabilities | 3.11% |
| Cost of borrowings | 2.40% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.23% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $2.1M |
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 |
|---|---|---|---|
| Q3 2023 | 4.68% | 2.98% | 2.16% |
| Q4 2023 | 4.99% | 3.45% | 2.06% |
| Q1 2024 | 5.26% | 3.57% | 2.15% |
| Q2 2024 | 5.54% | 3.70% | 2.27% |
| Q3 2024 | 5.78% | 3.78% | 2.43% |
| Q4 2024 | 5.79% | 3.44% | 2.71% |
| Q1 2025 | 5.69% | 3.14% | 2.84% |
| Q2 2025 | 5.77% | 3.07% | 2.93% |
| Q3 2025 | 5.94% | 3.10% | 3.08% |
| Q4 2025 | 5.80% | 2.98% | 3.10% |
| Q1 2026 | 5.65% | 2.72% | 3.18% |
| Q2 2026 | 5.66% | 2.61% | 3.23% |
Rockpointbank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Rockpointbank, N.A., 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 Rockpointbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59206) · FFIEC NIC profile (RSSD 5574430)