Townbridge 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.
The standout move of Q2 2026 was in Total interest expense: 38.0% higher than in Q1 2026, at $3.6M. Within Mississippi, Townbridge Bank is 29th of 57 on net interest margin, 3.91% as of Q2 2026, below the middle of the field. Townbridge Bank reported 3.91% on net interest margin for Q2 2026, 0.20 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.01% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.07% |
| Cost of interest-bearing liabilities | 1.71% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.7M |
| Total interest expense | $3.6M |
| Interest expense on deposits | $1.8M |
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 |
|---|---|---|---|
| Q3 2023 | 5.49% | 0.28% | 5.23% |
| Q4 2023 | 5.22% | 0.56% | 4.66% |
| Q1 2024 | 5.70% | 0.67% | 4.98% |
| Q2 2024 | 5.85% | 0.68% | 5.16% |
| Q3 2024 | 6.11% | 0.60% | 5.46% |
| Q4 2024 | 6.17% | 0.36% | 5.78% |
| Q1 2025 | 5.95% | 0.35% | 5.58% |
| Q2 2025 | 6.02% | 1.23% | 4.91% |
| Q3 2025 | 5.82% | 1.41% | 4.46% |
| Q4 2025 | 5.79% | 1.41% | 4.44% |
| Q1 2026 | 5.33% | 1.25% | 4.11% |
| Q2 2026 | 5.01% | 1.23% | 3.91% |
Townbridge 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 Townbridge 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 Townbridge Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12203) · FFIEC NIC profile (RSSD 94139)