Tennessee 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.
Cost of borrowings fell 0.33 percentage points from Q1 2026 to Q2 2026, ending at 2.74% against 3.06%. It was the largest change among the key lines on this page. Within Tennessee, Tennessee State Bank is 30th of 109 on net interest margin, 4.27% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Tennessee State Bank sits 0.32 points higher, at 4.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.04% |
| Cost of interest-bearing deposits | 1.55% |
| Cost of interest-bearing liabilities | 1.57% |
| Cost of borrowings | 2.74% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.27% |
| Yield to cost spread | 3.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.1M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
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 |
|---|---|---|---|
| Q3 2023 | 4.36% | 0.74% | 3.51% |
| Q4 2023 | 4.59% | 0.95% | 3.50% |
| Q1 2024 | 4.83% | 1.01% | 3.68% |
| Q2 2024 | 4.91% | 1.07% | 3.70% |
| Q3 2024 | 5.05% | 1.07% | 3.84% |
| Q4 2024 | 5.16% | 0.98% | 4.05% |
| Q1 2025 | 5.09% | 0.99% | 3.98% |
| Q2 2025 | 5.32% | 1.03% | 4.17% |
| Q3 2025 | 5.34% | 1.05% | 4.17% |
| Q4 2025 | 5.40% | 1.06% | 4.22% |
| Q1 2026 | 5.38% | 1.04% | 4.23% |
| Q2 2026 | 5.43% | 1.04% | 4.27% |
Tennessee 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 Tennessee 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 Tennessee State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20720) · FFIEC NIC profile (RSSD 479839)