Wellworth 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 3.3% to $9.3M. Within Tennessee, Wellworth Bank is 65th of 109 on net interest margin, 3.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin; Wellworth Bank reported 3.79% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.60% |
| Cost of interest-bearing liabilities | 2.66% |
| Cost of borrowings | 3.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.79% |
| Yield to cost spread | 3.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.7M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $8.4M |
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 |
|---|---|---|---|
| Q3 2023 | 4.89% | 1.85% | 3.13% |
| Q4 2023 | 5.14% | 2.08% | 3.18% |
| Q1 2024 | 5.26% | 2.32% | 3.06% |
| Q2 2024 | 5.54% | 2.43% | 3.25% |
| Q3 2024 | 5.61% | 2.53% | 3.21% |
| Q4 2024 | 5.77% | 2.53% | 3.38% |
| Q1 2025 | 5.70% | 2.42% | 3.42% |
| Q2 2025 | 6.04% | 2.36% | 3.80% |
| Q3 2025 | 6.02% | 2.34% | 3.82% |
| Q4 2025 | 5.96% | 2.31% | 3.81% |
| Q1 2026 | 5.88% | 2.27% | 3.75% |
| Q2 2026 | 5.93% | 2.29% | 3.79% |
Wellworth 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 Wellworth 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 Wellworth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1711) · FFIEC NIC profile (RSSD 63733)