Traditional Bank, Inc.: 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 largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which rose 0.49 percentage points to 2.90%. Within Kentucky, Traditional Bank, Inc. is 95th of 119 on net interest margin, 3.48% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Traditional Bank, Inc. sits 0.23 points lower, at 3.48% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | 6.29% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 2.90% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.48% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $26.3M |
| Total interest expense | $11.1M |
| Interest expense on deposits | $10.7M |
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 | 4.41% | 1.90% | 2.36% | 5.37% | 2.68% |
| Q4 2023 | 4.58% | 2.14% | 2.28% | 5.52% | 2.83% |
| Q1 2024 | 4.63% | 2.27% | 2.20% | 5.61% | 2.79% |
| Q2 2024 | 4.72% | 2.27% | 2.29% | 5.73% | 2.84% |
| Q3 2024 | 4.91% | 2.36% | 2.38% | 5.95% | 2.89% |
| Q4 2024 | 5.00% | 2.24% | 2.62% | 6.07% | 2.82% |
| Q1 2025 | 4.90% | 2.11% | 2.67% | 5.91% | 2.84% |
| Q2 2025 | 5.09% | 2.09% | 2.88% | 6.12% | 2.91% |
| Q3 2025 | 5.18% | 2.11% | 2.96% | 6.24% | 2.92% |
| Q4 2025 | 5.22% | 1.98% | 3.14% | 6.25% | 3.00% |
| Q1 2026 | 5.17% | 1.83% | 3.25% | 6.12% | 3.01% |
| Q2 2026 | 5.34% | 1.79% | 3.48% | 6.29% | 3.04% |
Traditional Bank, Inc. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditional Bank, Inc., 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 Traditional Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2711) · FFIEC NIC profile (RSSD 786210)