Solutions Plus 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 standout move of Q2 2026 was in Yield on securities: 2.45 percentage points higher than in Q1 2026, at 5.21%. Solutions Plus Bank ranks 81st of 93 Alabama banks on net interest margin, in the lower half at 3.15% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Solutions Plus Bank sits 0.74 points lower, at 3.15% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.62% |
| Yield on loans | 8.62% |
| Yield on securities | 5.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.86% |
| Cost of interest-bearing deposits | 3.68% |
| Cost of interest-bearing liabilities | 3.68% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 0.94% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $116K |
| Total interest expense | $132K |
| Interest expense on deposits | $132K |
Yields and Funding Costs trend
Last 3 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 |
|---|---|---|---|---|---|
| Q4 2025 | — | — | — | 4.94% | 80.00% |
| Q1 2026 | 3.65% | 2.56% | 2.92% | 7.36% | 2.76% |
| Q2 2026 | 4.62% | 2.86% | 3.15% | 8.62% | 5.21% |
Solutions Plus 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 Solutions Plus 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 Solutions Plus Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59362) · FFIEC NIC profile (RSSD 5975224)