Union 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.
In Q2 2026, Net interest margin edged up by 0.07 percentage points, from 3.08% to 3.15%, the largest move among the key lines here. On net interest margin, Union Bank is 8th from the bottom among 109 Tennessee banks, 3.15% (Q2 2026). Union Bank reported 3.15% on net interest margin for Q2 2026, 0.79 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.77% |
| Yield on loans | 7.43% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.15% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $938K |
| Interest expense on deposits | $938K |
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 | 3.73% | 1.46% | 2.33% | 6.77% | 1.66% |
| Q4 2023 | 4.12% | 1.79% | 2.41% | 6.56% | 2.36% |
| Q1 2024 | 4.17% | 1.96% | 2.28% | 7.20% | 1.95% |
| Q2 2024 | 3.98% | 1.98% | 2.15% | 7.09% | 1.86% |
| Q3 2024 | 4.31% | 2.02% | 2.39% | 7.42% | 2.07% |
| Q4 2024 | 4.34% | 2.04% | 2.41% | 7.37% | 2.24% |
| Q1 2025 | 4.39% | 1.91% | 2.55% | 7.28% | 2.36% |
| Q2 2025 | 4.63% | 1.85% | 2.86% | 7.60% | 2.49% |
| Q3 2025 | 4.73% | 1.78% | 3.03% | 7.68% | 2.55% |
| Q4 2025 | 4.72% | 1.71% | 3.08% | 7.53% | 2.60% |
| Q1 2026 | 4.68% | 1.66% | 3.08% | 7.40% | 2.61% |
| Q2 2026 | 4.77% | 1.68% | 3.15% | 7.43% | 2.68% |
Union 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 Union 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 Union Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6088) · FFIEC NIC profile (RSSD 235231)