Smackover State 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.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.41 percentage points to 4.28%. On net interest margin, Smackover State Bank is 7th from the bottom among 78 Arkansas banks, 3.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Smackover State Bank sits 0.67 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.37% |
| Yield on loans | 6.53% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.19% |
| Cost of interest-bearing deposits | 2.79% |
| Cost of interest-bearing liabilities | 2.91% |
| Cost of borrowings | 4.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.8M |
| Total interest expense | $1.3M |
| 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 | 3.89% | 1.51% | 2.33% | 4.80% | 2.68% |
| Q4 2023 | 4.04% | 2.26% | 1.71% | 4.95% | 2.75% |
| Q1 2024 | 4.03% | 2.15% | 1.84% | 5.08% | 2.56% |
| Q2 2024 | 4.18% | 2.34% | 1.81% | 5.24% | 2.48% |
| Q3 2024 | 4.45% | 2.61% | 1.96% | 5.54% | 2.72% |
| Q4 2024 | 5.06% | 2.32% | 2.69% | 6.29% | 3.08% |
| Q1 2025 | 4.80% | 2.45% | 2.49% | 5.98% | 2.71% |
| Q2 2025 | 5.08% | 2.51% | 2.66% | 6.26% | 2.69% |
| Q3 2025 | 5.36% | 2.43% | 2.98% | 6.38% | 2.96% |
| Q4 2025 | 5.29% | 2.35% | 3.03% | 6.43% | 2.73% |
| Q1 2026 | 5.24% | 2.29% | 3.14% | 6.35% | 2.71% |
| Q2 2026 | 5.37% | 2.19% | 3.27% | 6.53% | 2.68% |
Smackover State 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 Smackover State 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 Smackover State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5623) · FFIEC NIC profile (RSSD 676049)