Today's 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 rose 0.51 percentage points to 2.83%. Within Arkansas, Today's Bank is 60th of 78 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Today's Bank sits 0.21 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.83% |
| Cost of interest-bearing liabilities | 2.83% |
| Cost of borrowings | 2.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $2.1M |
| Interest expense on deposits | $1.9M |
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 | 5.69% | 2.42% | 3.41% |
| Q4 2023 | 6.17% | 2.76% | 3.47% |
| Q1 2024 | 6.11% | 2.70% | 3.29% |
| Q2 2024 | 6.36% | 2.84% | 3.40% |
| Q3 2024 | 6.42% | 2.93% | 3.40% |
| Q4 2024 | 6.30% | 2.83% | 3.39% |
| Q1 2025 | 6.14% | 2.65% | 3.40% |
| Q2 2025 | 6.21% | 2.64% | 3.44% |
| Q3 2025 | 6.25% | 2.54% | 3.55% |
| Q4 2025 | 6.41% | 2.47% | 3.78% |
| Q1 2026 | 6.16% | 2.31% | 3.71% |
| Q2 2026 | 6.19% | 2.30% | 3.74% |
Today's 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 Today's 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 Today's Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33470) · FFIEC NIC profile (RSSD 1879016)