The Preferred Legacy National Trust 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 standout move of Q2 2026 was in Net interest margin: 0.58 percentage points higher than in Q1 2026, at 3.96%. The median for banks in the < $100M asset tier is 3.89% on net interest margin; The Preferred Legacy National Trust Bank reported 3.96% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.96% |
| Yield on loans | — |
| Yield on securities | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.96% |
| Yield to cost spread | — |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $0 |
| Interest expense on deposits | $0 |
Yields and Funding Costs trend
Last 10 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Net interest margin | Securities |
|---|---|---|---|
| Q1 2024 | 0.38% | 0.38% | 0.00% |
| Q2 2024 | 4.93% | 4.93% | 20.62% |
| Q3 2024 | 4.74% | 4.74% | 0.00% |
| Q4 2024 | 4.93% | 4.93% | 32.32% |
| Q1 2025 | 3.97% | 3.97% | 0.00% |
| Q2 2025 | 4.40% | 4.40% | 28.57% |
| Q3 2025 | 3.95% | 3.95% | -28.28% |
| Q4 2025 | 4.54% | 4.54% | 16.16% |
| Q1 2026 | 3.38% | 3.38% | 4.12% |
| Q2 2026 | 3.96% | 3.96% | 4.08% |
The Preferred Legacy National Trust 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 The Preferred Legacy National Trust 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 The Preferred Legacy National Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 5887420)