Security Bank: 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, Net interest margin rose 0.21 percentage points in Q2 2026 to 3.59%, the biggest move on this page. Security Bank ranks 80th of 109 Tennessee banks on net interest margin, in the lower half at 3.59% (Q2 2026). Security Bank reported 3.59% on net interest margin for Q2 2026, 0.35 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.61% |
| Yield on securities | 3.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 1.73% |
| Cost of interest-bearing liabilities | 1.77% |
| Cost of borrowings | 2.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.59% |
| Yield to cost spread | 3.22% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.7M |
| Total interest expense | $725K |
| Interest expense on deposits | $678K |
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 | 4.00% | 1.01% | 2.99% | 6.51% | 2.60% |
| Q4 2023 | 3.96% | 1.12% | 2.84% | 6.03% | 2.73% |
| Q1 2024 | 4.12% | 1.13% | 2.98% | 6.32% | 2.79% |
| Q2 2024 | 4.29% | 1.26% | 3.06% | 6.40% | 2.89% |
| Q3 2024 | 4.46% | 1.49% | 3.02% | 6.76% | 2.85% |
| Q4 2024 | 4.56% | 1.67% | 2.96% | 6.60% | 2.88% |
| Q1 2025 | 4.35% | 1.65% | 2.76% | 6.25% | 2.86% |
| Q2 2025 | 4.73% | 1.60% | 3.19% | 6.61% | 3.08% |
| Q3 2025 | 4.71% | 1.54% | 3.22% | 6.51% | 3.16% |
| Q4 2025 | 4.79% | 1.44% | 3.42% | 6.69% | 3.27% |
| Q1 2026 | 4.70% | 1.36% | 3.38% | 6.42% | 3.31% |
| Q2 2026 | 4.99% | 1.45% | 3.59% | 6.61% | 3.37% |
Security Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, 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 Security Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2391) · FFIEC NIC profile (RSSD 497851)