Tbo 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: 14.06 percentage points lower than in Q1 2026, at 82.63%. Tbo Bank has the highest net interest margin of the 192 banks headquartered in Missouri, 82.63% as of Q2 2026. Tbo Bank's net interest margin of 82.63% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 78.68 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 84.67% |
| Yield on loans | 103.18% |
| Yield on securities | 3.56% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.77% |
| Cost of interest-bearing liabilities | 2.77% |
| Cost of borrowings | 3.17% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 82.63% |
| Yield to cost spread | 81.90% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $44.1M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 75.90% | 1.82% | 74.32% | 123.10% | 3.51% |
| Q4 2023 | 94.50% | 2.17% | 92.55% | 138.06% | 3.51% |
| Q1 2024 | 102.99% | 2.21% | 100.94% | 138.64% | 3.50% |
| Q2 2024 | 107.40% | 2.20% | 105.28% | 143.24% | 3.47% |
| Q3 2024 | 144.70% | 2.12% | 142.65% | 189.09% | 3.50% |
| Q4 2024 | 125.96% | 2.35% | 123.81% | 169.21% | 3.48% |
| Q1 2025 | 111.51% | 2.15% | 109.47% | 170.73% | 3.53% |
| Q2 2025 | 132.56% | 1.93% | 130.59% | 171.84% | 3.53% |
| Q3 2025 | 135.28% | 2.10% | 133.13% | 171.18% | 3.53% |
| Q4 2025 | 128.94% | 2.24% | 126.83% | 159.65% | 3.57% |
| Q1 2026 | 98.65% | 2.07% | 96.69% | 118.50% | 3.58% |
| Q2 2026 | 84.67% | 2.16% | 82.63% | 103.18% | 3.56% |
Tbo 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 Tbo 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 Tbo Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10597) · FFIEC NIC profile (RSSD 1003950)