Security Bank and 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.
The standout move of Q2 2026 was in Total interest expense: 8.6% higher than in Q1 2026, at $9.2M. Security Bank and Trust Company ranks 77th of 109 Tennessee banks on net interest margin, in the lower half at 3.62% (Q2 2026). At 3.62%, Security Bank and Trust Company's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.00% |
| Yield on loans | 6.14% |
| Yield on securities | 4.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.52% |
| Cost of interest-bearing deposits | 2.75% |
| Cost of interest-bearing liabilities | 2.82% |
| Cost of borrowings | 4.38% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.62% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $18.1M |
| Total interest expense | $9.2M |
| Interest expense on deposits | $8.6M |
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 | 5.74% | 2.81% | 3.10% | 5.44% | 5.91% |
| Q4 2023 | 5.75% | 3.10% | 2.85% | 5.42% | 5.77% |
| Q1 2024 | 5.77% | 3.12% | 2.84% | 5.60% | 5.77% |
| Q2 2024 | 6.06% | 3.27% | 2.99% | 5.88% | 5.90% |
| Q3 2024 | 6.14% | 3.29% | 3.05% | 6.01% | 6.00% |
| Q4 2024 | 5.97% | 2.95% | 3.17% | 5.96% | 5.13% |
| Q1 2025 | 5.89% | 2.64% | 3.39% | 6.02% | 5.06% |
| Q2 2025 | 6.10% | 2.62% | 3.62% | 6.29% | 5.23% |
| Q3 2025 | 6.05% | 2.71% | 3.51% | 6.27% | 5.18% |
| Q4 2025 | 6.17% | 2.57% | 3.75% | 6.33% | 4.98% |
| Q1 2026 | 5.94% | 2.44% | 3.64% | 6.11% | 4.65% |
| Q2 2026 | 6.00% | 2.52% | 3.62% | 6.14% | 4.68% |
Security Bank and 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 Security Bank and 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9172) · FFIEC NIC profile (RSSD 118156)