Tompkins State 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.
In Q2 2026, Yield on loans edged down by 0.18 percentage points, from 6.23% to 6.05%, the largest move among the key lines here. Within Illinois, Tompkins State Bank is 172nd of 323 on net interest margin, 3.64% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Tompkins State Bank sits 0.30 points lower, at 3.64% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.09% |
| Yield on loans | 6.05% |
| Yield on securities | 3.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.51% |
| Cost of interest-bearing deposits | 1.93% |
| Cost of interest-bearing liabilities | 1.93% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.64% |
| Yield to cost spread | 3.16% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.5M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 4.54% | 1.22% | 3.35% | 5.95% | 2.85% |
| Q4 2023 | 4.69% | 1.41% | 3.30% | 6.11% | 2.93% |
| Q1 2024 | 4.79% | 1.32% | 3.48% | 6.14% | 3.11% |
| Q2 2024 | 4.89% | 1.49% | 3.41% | 6.21% | 3.18% |
| Q3 2024 | 5.01% | 1.55% | 3.46% | 6.39% | 3.22% |
| Q4 2024 | 5.03% | 1.46% | 3.58% | 6.40% | 3.20% |
| Q1 2025 | 4.94% | 1.47% | 3.53% | 6.19% | 3.41% |
| Q2 2025 | 5.06% | 1.54% | 3.56% | 6.25% | 3.51% |
| Q3 2025 | 5.17% | 1.59% | 3.63% | 6.41% | 3.55% |
| Q4 2025 | 5.20% | 1.58% | 3.68% | 6.40% | 3.60% |
| Q1 2026 | 5.11% | 1.51% | 3.64% | 6.23% | 3.68% |
| Q2 2026 | 5.09% | 1.51% | 3.64% | 6.05% | 3.75% |
Tompkins State 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 Tompkins State 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 Tompkins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10849) · FFIEC NIC profile (RSSD 609832)