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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 5.5% to $2.5M. Within Arkansas, Union Bank is 11th of 78 on net interest margin, 4.75% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Union Bank sits 0.81 points higher, at 4.75% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.24% |
| Yield on loans | 7.38% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.56% |
| 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 | 4.75% |
| Yield to cost spread | 3.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.8M |
| Total interest expense | $2.5M |
| Interest expense on deposits | $2.5M |
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 | 5.53% | 1.56% | 3.99% | 6.64% | 2.74% |
| Q4 2023 | 5.79% | 1.77% | 3.99% | 6.88% | 2.91% |
| Q1 2024 | 5.99% | 2.22% | 4.04% | 6.84% | 2.95% |
| Q2 2024 | 5.64% | 1.98% | 3.79% | 7.06% | 2.01% |
| Q3 2024 | 6.34% | 2.04% | 4.27% | 7.37% | 3.11% |
| Q4 2024 | 6.02% | 1.90% | 4.23% | 7.43% | 2.29% |
| Q1 2025 | 5.96% | 1.73% | 4.31% | 7.32% | 2.37% |
| Q2 2025 | 6.10% | 1.70% | 4.48% | 7.45% | 2.43% |
| Q3 2025 | 6.32% | 1.69% | 4.71% | 7.58% | 2.75% |
| Q4 2025 | 6.31% | 1.62% | 4.76% | 7.56% | 2.86% |
| Q1 2026 | 6.20% | 1.52% | 4.74% | 7.35% | 3.16% |
| Q2 2026 | 6.24% | 1.56% | 4.75% | 7.38% | 3.36% |
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 14597) · FFIEC NIC profile (RSSD 86349)