Tnbank: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.68 percentage points to 2.31%. Tnbank ranks 43rd of 109 Tennessee banks on net interest margin, in the upper half at 4.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Tnbank sits 0.14 points higher, at 4.09% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.83% |
| Yield on loans | 6.63% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | 2.31% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.09% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 5.44% | 1.56% | 3.97% | 6.19% | 3.10% |
| Q4 2023 | 5.57% | 1.69% | 3.98% | 6.32% | 3.11% |
| Q1 2024 | 5.77% | 1.89% | 3.99% | 6.62% | 3.08% |
| Q2 2024 | 5.63% | 1.91% | 3.87% | 6.46% | 3.12% |
| Q3 2024 | 5.88% | 2.03% | 3.97% | 6.75% | 3.00% |
| Q4 2024 | 5.91% | 2.04% | 3.99% | 6.71% | 3.07% |
| Q1 2025 | 5.85% | 1.93% | 4.02% | 6.59% | 3.07% |
| Q2 2025 | 5.93% | 1.85% | 4.18% | 6.78% | 2.80% |
| Q3 2025 | 6.18% | 1.92% | 4.39% | 7.05% | 2.98% |
| Q4 2025 | 5.99% | 1.92% | 4.18% | 6.84% | 2.96% |
| Q1 2026 | 5.66% | 1.93% | 3.85% | 6.42% | 2.49% |
| Q2 2026 | 5.83% | 1.86% | 4.09% | 6.63% | 2.96% |
Tnbank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tnbank, 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 Tnbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34023) · FFIEC NIC profile (RSSD 2305969)