Traditions 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.
In Q2 2026, Net interest margin edged up by 0.08 percentage points, from 5.05% to 5.13%, the largest move among the key lines here. Traditions Bank ranks 10th of 93 Alabama banks on net interest margin, in the upper half at 5.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Traditions Bank sits 1.18 points higher, at 5.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.15% |
| Yield on loans | 7.75% |
| Yield on securities | 3.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.14% |
| Cost of interest-bearing deposits | 2.58% |
| Cost of interest-bearing liabilities | 2.58% |
| Cost of borrowings | 3.97% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.13% |
| Yield to cost spread | 4.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.6M |
| Total interest expense | $4.1M |
| Interest expense on deposits | $4.0M |
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 | 7.18% | 1.53% | 5.72% | 7.59% | 2.77% |
| Q4 2023 | 7.36% | 1.89% | 5.55% | 7.79% | 2.78% |
| Q1 2024 | 7.38% | 2.17% | 5.30% | 7.79% | 3.01% |
| Q2 2024 | 7.44% | 2.37% | 5.17% | 7.92% | 3.24% |
| Q3 2024 | 7.57% | 2.57% | 5.11% | 8.12% | 3.15% |
| Q4 2024 | 7.39% | 2.54% | 5.00% | 8.07% | 3.11% |
| Q1 2025 | 7.27% | 2.40% | 5.00% | 7.88% | 3.32% |
| Q2 2025 | 7.38% | 2.32% | 5.17% | 8.03% | 3.33% |
| Q3 2025 | 7.60% | 2.31% | 5.38% | 8.17% | 3.36% |
| Q4 2025 | 7.47% | 2.30% | 5.29% | 8.11% | 3.21% |
| Q1 2026 | 7.11% | 2.17% | 5.05% | 7.72% | 3.34% |
| Q2 2026 | 7.15% | 2.14% | 5.13% | 7.75% | 3.32% |
Traditions 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 Traditions 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 Traditions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57554) · FFIEC NIC profile (RSSD 3194692)