Town & Country 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.
Compared with Q1 2026, Net interest margin rose 0.25 percentage points in Q2 2026 to 5.08%, the biggest move on this page. Town & Country Bank ranks 4th of 14 Nevada banks on net interest margin, in the upper half at 5.08% (Q2 2026). Town & Country Bank reported 5.08% on net interest margin for Q2 2026, 1.13 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.43% |
| Yield on loans | 6.92% |
| Yield on securities | 1.48% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 2.46% |
| Cost of interest-bearing liabilities | 2.45% |
| Cost of borrowings | 3.26% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.08% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $697K |
| Interest expense on deposits | $684K |
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 | 5.41% | 0.82% | 4.67% | 6.38% | 2.47% |
| Q4 2023 | 5.38% | 0.90% | 4.59% | 6.10% | 2.51% |
| Q1 2024 | 5.59% | 0.93% | 4.76% | 6.48% | 2.52% |
| Q2 2024 | 5.77% | 0.99% | 4.91% | 6.46% | 2.53% |
| Q3 2024 | 5.92% | 1.11% | 4.97% | 6.72% | 2.47% |
| Q4 2024 | 5.73% | 1.19% | 4.71% | 6.41% | 2.27% |
| Q1 2025 | 6.04% | 1.32% | 4.85% | 6.78% | 2.08% |
| Q2 2025 | 6.06% | 1.34% | 4.83% | 6.75% | 1.84% |
| Q3 2025 | 6.25% | 1.37% | 5.02% | 7.06% | 1.69% |
| Q4 2025 | 6.13% | 1.43% | 4.79% | 6.86% | 1.41% |
| Q1 2026 | 6.15% | 1.37% | 4.83% | 6.77% | 1.49% |
| Q2 2026 | 6.43% | 1.48% | 5.08% | 6.92% | 1.48% |
Town & Country 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 & Country 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 & Country Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57312) · FFIEC NIC profile (RSSD 3067929)