Wilson Bank & Trust: 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 biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.16 percentage points between Q1 2026 and Q2 2026, to 3.17%. Wilson Bank & Trust ranks 72nd of 109 Tennessee banks on net interest margin, in the lower half at 3.70% (Q2 2026). At 3.70%, Wilson Bank & Trust's net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.81% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.30% |
| Cost of interest-bearing deposits | 2.51% |
| Cost of interest-bearing liabilities | 2.51% |
| Cost of borrowings | 3.80% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $73.1M |
| Total interest expense | $30.9M |
| Interest expense on deposits | $30.8M |
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 | 5.13% | 2.27% | 3.02% |
| Q4 2023 | 5.36% | 2.48% | 3.06% |
| Q1 2024 | 5.43% | 2.63% | 2.97% |
| Q2 2024 | 5.68% | 2.69% | 3.16% |
| Q3 2024 | 5.88% | 2.85% | 3.25% |
| Q4 2024 | 5.85% | 2.85% | 3.23% |
| Q1 2025 | 5.77% | 2.62% | 3.36% |
| Q2 2025 | 5.95% | 2.56% | 3.59% |
| Q3 2025 | 5.88% | 2.60% | 3.50% |
| Q4 2025 | 5.99% | 2.52% | 3.68% |
| Q1 2026 | 5.87% | 2.31% | 3.75% |
| Q2 2026 | 5.81% | 2.30% | 3.70% |
Wilson Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson Bank & Trust, 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 Wilson Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26962) · FFIEC NIC profile (RSSD 159636)