TPNB 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 Cost of borrowings: 1.31 percentage points higher than in Q1 2026, at 5.04%. Within Missouri, TPNB Bank is 155th of 192 on net interest margin, 3.52% as of Q2 2026, below the middle of the field. TPNB Bank reported 3.52% on net interest margin for Q2 2026, 0.43 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.10% |
| Yield on loans | 6.45% |
| Yield on securities | 2.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.27% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 5.04% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.52% |
| Yield to cost spread | 2.69% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $434K |
| Interest expense on deposits | $392K |
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 | 4.02% | 1.75% | 2.61% | 5.56% | 2.16% |
| Q4 2023 | 4.15% | 2.26% | 2.43% | 5.68% | 2.22% |
| Q1 2024 | 4.29% | 2.26% | 2.32% | 5.72% | 2.26% |
| Q2 2024 | 4.42% | 2.06% | 2.57% | 6.02% | 2.27% |
| Q3 2024 | 4.55% | 2.10% | 2.75% | 6.13% | 2.31% |
| Q4 2024 | 4.65% | 1.97% | 2.88% | 6.27% | 2.25% |
| Q1 2025 | 4.64% | 1.86% | 2.97% | 6.13% | 2.37% |
| Q2 2025 | 4.77% | 1.91% | 3.06% | 6.29% | 2.39% |
| Q3 2025 | 4.88% | 1.82% | 3.18% | 6.41% | 2.52% |
| Q4 2025 | 5.03% | 2.02% | 3.30% | 6.40% | 2.88% |
| Q1 2026 | 5.08% | 1.79% | 3.47% | 6.34% | 2.91% |
| Q2 2026 | 5.10% | 1.79% | 3.52% | 6.45% | 2.91% |
TPNB 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 TPNB 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 TPNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4556) · FFIEC NIC profile (RSSD 1007051)