Town Center 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.
Net interest margin rose 0.20 percentage points from Q1 2026 to Q2 2026, ending at 4.01% against 3.81%. It was the largest change among the key lines on this page. Within Illinois, Town Center Bank is 106th of 323 on net interest margin, 4.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; Town Center Bank reported 4.01% for Q2 2026, nearly level with it.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.11% |
| Yield on loans | 6.70% |
| Yield on securities | 3.45% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.38% |
| Cost of interest-bearing deposits | 2.74% |
| Cost of interest-bearing liabilities | 2.96% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.01% |
| Yield to cost spread | 3.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $915K |
| Interest expense on deposits | $711K |
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 | 5.80% | 1.25% | 4.68% | 6.31% | 2.90% |
| Q4 2023 | 5.89% | 1.63% | 4.42% | 6.38% | 2.69% |
| Q1 2024 | 5.89% | 1.90% | 4.18% | 6.37% | 2.91% |
| Q2 2024 | 6.29% | 2.09% | 4.43% | 6.75% | 3.05% |
| Q3 2024 | 6.39% | 2.42% | 4.26% | 7.04% | 3.48% |
| Q4 2024 | 6.30% | 2.48% | 4.10% | 6.96% | 3.74% |
| Q1 2025 | 5.73% | 2.38% | 3.64% | 6.51% | 3.90% |
| Q2 2025 | 6.04% | 2.45% | 3.82% | 6.58% | 3.91% |
| Q3 2025 | 6.10% | 2.27% | 4.09% | 6.72% | 3.75% |
| Q4 2025 | 6.16% | 2.32% | 4.10% | 6.82% | 3.57% |
| Q1 2026 | 5.82% | 2.28% | 3.81% | 6.49% | 3.48% |
| Q2 2026 | 6.11% | 2.38% | 4.01% | 6.70% | 3.45% |
Town Center 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 Town Center 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 Town Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58214) · FFIEC NIC profile (RSSD 3459216)