United Mississippi 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.
Cost of borrowings climbed 1.15 percentage points in Q2 2026, from 1.49% to 2.64%. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, United Mississippi Bank is 10th of 57 on net interest margin, 4.73% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. United Mississippi Bank sits 0.78 points higher, at 4.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.94% |
| Yield on loans | 6.78% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.14% |
| Cost of interest-bearing deposits | 1.98% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | 2.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.73% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.9M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 4.89% | 1.32% | 3.48% | 6.12% | 2.26% |
| Q4 2023 | 5.03% | 1.43% | 3.53% | 6.26% | 2.28% |
| Q1 2024 | 5.25% | 1.42% | 3.73% | 6.27% | 2.59% |
| Q2 2024 | 5.39% | 1.42% | 3.86% | 6.35% | 2.63% |
| Q3 2024 | 5.63% | 1.40% | 4.09% | 6.67% | 2.62% |
| Q4 2024 | 5.67% | 1.36% | 4.19% | 6.69% | 2.73% |
| Q1 2025 | 5.49% | 1.18% | 4.18% | 6.57% | 2.78% |
| Q2 2025 | 5.75% | 1.06% | 4.56% | 6.66% | 2.86% |
| Q3 2025 | 5.96% | 1.09% | 4.73% | 6.84% | 2.87% |
| Q4 2025 | 5.95% | 1.12% | 4.70% | 6.84% | 2.77% |
| Q1 2026 | 5.82% | 1.01% | 4.67% | 6.69% | 2.79% |
| Q2 2026 | 5.94% | 1.14% | 4.73% | 6.78% | 2.90% |
United Mississippi 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 Mississippi 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 Mississippi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21083) · FFIEC NIC profile (RSSD 544335)