Thumb 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.
Yield to cost spread rose 0.43 percentage points from Q1 2026 to Q2 2026, ending at 4.12% against 3.69%. It was the largest change among the key lines on this page. Within Michigan, Thumb Bank & Trust is 14th of 72 on net interest margin, 4.57% as of Q2 2026. Thumb Bank & Trust reported 4.57% on net interest margin for Q2 2026, 0.63 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.77% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.00% |
| Cost of interest-bearing deposits | 1.39% |
| Cost of interest-bearing liabilities | 1.39% |
| Cost of borrowings | 4.51% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.57% |
| Yield to cost spread | 4.12% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.8M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
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 | 4.85% | 1.54% | 3.48% | 5.85% | 3.50% |
| Q4 2023 | 4.83% | 1.81% | 3.22% | 5.83% | 3.35% |
| Q1 2024 | 4.91% | 1.61% | 3.49% | 5.94% | 3.27% |
| Q2 2024 | 5.11% | 1.59% | 3.61% | 6.26% | 3.28% |
| Q3 2024 | 5.23% | 1.59% | 3.71% | 6.53% | 3.36% |
| Q4 2024 | 4.99% | 1.23% | 3.82% | 6.42% | 3.26% |
| Q1 2025 | 5.37% | 1.14% | 4.28% | 6.53% | 3.57% |
| Q2 2025 | 5.43% | 1.14% | 4.33% | 6.79% | 3.47% |
| Q3 2025 | 5.61% | 1.13% | 4.53% | 7.08% | 3.46% |
| Q4 2025 | 5.41% | 0.96% | 4.42% | 6.81% | 3.50% |
| Q1 2026 | 5.32% | 0.90% | 4.40% | 6.69% | 3.49% |
| Q2 2026 | 5.51% | 1.00% | 4.57% | 6.77% | 3.52% |
Thumb 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 Thumb 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 Thumb Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14513) · FFIEC NIC profile (RSSD 698649)