United 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, Net interest margin rose 0.30 percentage points in Q2 2026 to 4.54%, the biggest move on this page. United Bank ranks 21st of 93 Alabama banks on net interest margin, in the upper half at 4.54% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. United Bank sits 0.83 points higher, at 4.54% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.77% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.33% |
| Cost of interest-bearing deposits | 2.29% |
| Cost of interest-bearing liabilities | 2.29% |
| Cost of borrowings | 2.34% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.54% |
| Yield to cost spread | 3.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.4M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $4.0M |
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 | 5.15% | 0.61% | 4.60% | 6.18% | 2.76% |
| Q4 2023 | 5.39% | 0.78% | 4.65% | 6.34% | 2.83% |
| Q1 2024 | 5.46% | 0.98% | 4.56% | 6.31% | 3.20% |
| Q2 2024 | 5.52% | 1.14% | 4.48% | 6.26% | 3.29% |
| Q3 2024 | 6.76% | 1.71% | 5.20% | 8.01% | 3.64% |
| Q4 2024 | 5.73% | 1.28% | 4.57% | 6.79% | 3.19% |
| Q1 2025 | 5.60% | 1.25% | 4.48% | 6.58% | 3.49% |
| Q2 2025 | 5.77% | 1.31% | 4.60% | 6.78% | 3.46% |
| Q3 2025 | 5.84% | 1.41% | 4.58% | 6.85% | 3.63% |
| Q4 2025 | 5.70% | 1.35% | 4.49% | 6.67% | 3.50% |
| Q1 2026 | 5.41% | 1.31% | 4.24% | 6.41% | 3.51% |
| Q2 2026 | 5.74% | 1.33% | 4.54% | 6.77% | 3.56% |
United 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 United 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 United Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58) · FFIEC NIC profile (RSSD 994435)