Members 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.
The standout move of Q2 2026 was in Yield to cost spread: 0.84 percentage points lower than in Q1 2026, at -0.34%. Members Trust Company ranks 45th of 79 Florida banks on net interest margin, in the lower half at 3.58% (Q2 2026). The median for banks in the < $100M asset tier is 3.88% on net interest margin. Members Trust Company sits 0.29 points lower, at 3.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.66% |
| Yield on loans | — |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.98% |
| Cost of interest-bearing deposits | 4.00% |
| Cost of interest-bearing liabilities | 4.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.58% |
| Yield to cost spread | -0.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $5K |
| Interest expense on deposits | $5K |
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 | 4.20% | 5.58% | 4.11% | 4.28% |
| Q4 2023 | 4.18% | 4.78% | 4.11% | 3.29% |
| Q1 2024 | 4.40% | 5.58% | 4.32% | 4.17% |
| Q2 2024 | 4.27% | 4.78% | 4.19% | 4.16% |
| Q3 2024 | 4.31% | 5.58% | 4.22% | 4.15% |
| Q4 2024 | 4.04% | 4.78% | 3.96% | 3.99% |
| Q1 2025 | 4.07% | 3.98% | 4.00% | 3.92% |
| Q2 2025 | 3.95% | 4.78% | 3.87% | 3.91% |
| Q3 2025 | 3.89% | 3.98% | 3.82% | 3.91% |
| Q4 2025 | 3.97% | 3.98% | 3.90% | 3.81% |
| Q1 2026 | 3.70% | 3.19% | 3.63% | 3.65% |
| Q2 2026 | 3.66% | 3.98% | 3.58% | 3.63% |
Members 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 Members 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 Members Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57470) · FFIEC NIC profile (RSSD 3219269)