Everence Trust Company: 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.
Net interest margin climbed 2.16 percentage points in Q2 2026, from 4.76% to 6.92%. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, Everence Trust Company sits 2nd from the top on net interest margin, 6.92% as of Q2 2026. Everence Trust Company's net interest margin of 6.92% is well above the 3.88% median for banks in the < $100M asset tier, a gap of 3.04 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.01% |
| Yield on loans | — |
| Yield on securities | 6.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.60% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.60% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.92% |
| Yield to cost spread | 5.41% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $2K |
| Interest expense on deposits | $2K |
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 | Securities |
|---|---|---|---|---|
| Q3 2023 | 2.49% | 9.60% | 1.70% | 2.42% |
| Q4 2023 | 8.20% | 4.00% | 7.93% | 3.33% |
| Q1 2024 | 5.37% | 4.80% | 5.06% | 3.97% |
| Q2 2024 | 4.62% | 4.80% | 4.31% | 3.18% |
| Q3 2024 | 4.44% | 4.80% | 4.14% | 3.01% |
| Q4 2024 | 4.39% | 3.20% | 4.19% | 2.87% |
| Q1 2025 | 4.49% | 5.60% | 4.14% | 2.62% |
| Q2 2025 | 4.43% | 4.00% | 4.18% | 2.64% |
| Q3 2025 | 5.02% | 4.00% | 4.78% | 2.91% |
| Q4 2025 | 4.51% | 4.00% | 4.28% | 2.73% |
| Q1 2026 | 4.94% | 3.20% | 4.76% | 3.91% |
| Q2 2026 | 7.01% | 1.60% | 6.92% | 6.13% |
Everence Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Everence Trust Company, 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 Everence Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57109) · FFIEC NIC profile (RSSD 3029253)