Union 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.
Compared with Q1 2026, Cost of borrowings rose 0.58 percentage points in Q2 2026 to 2.55%, the biggest move on this page. Union State Bank ranks 65th of 93 Alabama banks on net interest margin, in the lower half at 3.58% (Q2 2026). Union State Bank reported 3.58% on net interest margin for Q2 2026, 0.36 points below the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.59% |
| Yield on loans | 6.53% |
| Yield on securities | 2.18% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | 2.55% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | 3.32% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $488K |
| Interest expense on deposits | $449K |
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 | 4.35% | 1.04% | 3.22% | 5.63% | 2.38% |
| Q4 2023 | 4.65% | 1.33% | 3.16% | 5.68% | 2.25% |
| Q1 2024 | 4.57% | 1.44% | 3.00% | 5.98% | 2.22% |
| Q2 2024 | 4.43% | 1.44% | 2.92% | 5.99% | 2.22% |
| Q3 2024 | 4.73% | 1.54% | 3.05% | 6.11% | 2.25% |
| Q4 2024 | 4.60% | 1.56% | 2.90% | 6.42% | 2.20% |
| Q1 2025 | 4.47% | 1.48% | 2.85% | 6.20% | 2.25% |
| Q2 2025 | 4.58% | 1.40% | 3.05% | 6.25% | 2.24% |
| Q3 2025 | 4.43% | 1.11% | 3.27% | 6.29% | 2.24% |
| Q4 2025 | 4.49% | 1.06% | 3.39% | 6.91% | 2.19% |
| Q1 2026 | 4.48% | 0.97% | 3.49% | 6.58% | 2.18% |
| Q2 2026 | 4.59% | 1.00% | 3.58% | 6.53% | 2.18% |
Union 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 Union 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 Union State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5602) · FFIEC NIC profile (RSSD 467733)