Unity Bank of Mississippi: 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 fell 5.3% to $1.3M. Unity Bank of Mississippi ranks 50th of 57 Mississippi banks on net interest margin, in the lower half at 3.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Unity Bank of Mississippi sits 0.90 points lower, at 3.05% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.02% |
| Yield on loans | 6.63% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.62% |
| Cost of interest-bearing liabilities | 2.59% |
| Cost of borrowings | 3.70% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.05% |
| Yield to cost spread | 2.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 4.41% | 1.33% | 3.11% | 5.97% | 2.84% |
| Q4 2023 | 4.59% | 1.48% | 3.15% | 6.25% | 2.88% |
| Q1 2024 | 4.65% | 2.01% | 2.69% | 6.33% | 2.80% |
| Q2 2024 | 4.89% | 2.29% | 2.65% | 6.62% | 2.93% |
| Q3 2024 | 4.99% | 2.58% | 2.49% | 6.67% | 2.98% |
| Q4 2024 | 5.02% | 2.59% | 2.51% | 6.77% | 2.87% |
| Q1 2025 | 4.81% | 2.55% | 2.33% | 6.61% | 2.60% |
| Q2 2025 | 5.21% | 2.47% | 2.83% | 6.73% | 3.27% |
| Q3 2025 | 5.13% | 2.48% | 2.72% | 6.77% | 2.94% |
| Q4 2025 | 5.14% | 2.43% | 2.80% | 6.77% | 2.93% |
| Q1 2026 | 4.94% | 2.08% | 2.95% | 6.55% | 2.85% |
| Q2 2026 | 5.02% | 2.04% | 3.05% | 6.63% | 2.88% |
Unity Bank of Mississippi yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Unity Bank of Mississippi, 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 Unity Bank of Mississippi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11446) · FFIEC NIC profile (RSSD 837840)