Town & Country Bank and Trust Company: 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 4.70%, the biggest move on this page. Town & Country Bank and Trust Company ranks 15th of 119 Kentucky banks on net interest margin, in the upper half at 4.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Town & Country Bank and Trust Company sits 0.75 points higher, at 4.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.36% |
| Yield on loans | 6.07% |
| Yield on securities | 3.80% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 1.10% |
| Cost of interest-bearing liabilities | 1.10% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.70% |
| Yield to cost spread | 4.26% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.3M |
| Total interest expense | $687K |
| Interest expense on deposits | $687K |
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 | 4.24% | 0.48% | 3.65% | 5.23% | 2.15% |
| Q4 2023 | 4.41% | 0.68% | 3.56% | 5.35% | 2.21% |
| Q1 2024 | 4.47% | 0.89% | 3.62% | 5.46% | 2.17% |
| Q2 2024 | 4.67% | 0.91% | 3.81% | 5.64% | 2.21% |
| Q3 2024 | 4.79% | 0.97% | 3.89% | 5.82% | 2.22% |
| Q4 2024 | 4.91% | 0.93% | 4.04% | 5.92% | 2.29% |
| Q1 2025 | 4.85% | 0.69% | 4.21% | 5.75% | 2.42% |
| Q2 2025 | 5.05% | 0.73% | 4.38% | 5.92% | 2.55% |
| Q3 2025 | 5.37% | 0.77% | 4.65% | 6.32% | 2.79% |
| Q4 2025 | 5.18% | 0.77% | 4.48% | 6.05% | 2.85% |
| Q1 2026 | 5.13% | 0.74% | 4.45% | 5.90% | 3.36% |
| Q2 2026 | 5.36% | 0.72% | 4.70% | 6.07% | 3.80% |
Town & Country Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15703) · FFIEC NIC profile (RSSD 692946)