Tower Community 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, Net interest margin edged up by 0.12 percentage points, from 4.37% to 4.49%, the largest move among the key lines here. Tower Community Bank ranks 22nd of 109 Tennessee banks on net interest margin, in the upper half at 4.49% (Q2 2026). Tower Community Bank reported 4.49% on net interest margin for Q2 2026, 0.55 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.39% |
| Yield on loans | 7.07% |
| Yield on securities | 4.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.49% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.0M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 6.18% | 2.05% | 4.18% | 6.71% | 2.87% |
| Q4 2023 | 6.58% | 2.34% | 4.27% | 7.08% | 3.09% |
| Q1 2024 | 6.69% | 2.41% | 4.31% | 7.11% | 3.45% |
| Q2 2024 | 6.85% | 2.53% | 4.38% | 7.24% | 3.94% |
| Q3 2024 | 6.81% | 2.64% | 4.24% | 7.27% | 3.92% |
| Q4 2024 | 6.67% | 2.57% | 4.20% | 7.17% | 3.94% |
| Q1 2025 | 6.54% | 2.27% | 4.35% | 7.15% | 4.18% |
| Q2 2025 | 6.63% | 2.24% | 4.49% | 7.21% | 4.12% |
| Q3 2025 | 6.58% | 2.24% | 4.44% | 7.21% | 4.30% |
| Q4 2025 | 6.64% | 2.21% | 4.55% | 7.30% | 4.16% |
| Q1 2026 | 6.29% | 2.02% | 4.37% | 6.97% | 4.24% |
| Q2 2026 | 6.39% | 2.00% | 4.49% | 7.07% | 4.26% |
Tower Community 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 Tower Community 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 Tower Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20100) · FFIEC NIC profile (RSSD 989730)