Traditions First 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.
Compared with Q1 2026, Total interest expense rose 6.0% in Q2 2026 to $1.8M, the biggest move on this page. Within Tennessee, Traditions First Bank is 68th of 109 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Traditions First Bank sits 0.21 points lower, at 3.74% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.93% |
| Yield on loans | 6.66% |
| Yield on securities | 2.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.73% |
| Cost of borrowings | 4.73% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.20% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.4M |
| Total interest expense | $1.8M |
| Interest expense on deposits | $1.7M |
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 | 5.25% | 2.06% | 3.32% | 6.40% | 2.13% |
| Q4 2023 | 5.45% | 2.38% | 3.22% | 6.56% | 2.12% |
| Q1 2024 | 5.62% | 2.54% | 3.25% | 6.65% | 2.04% |
| Q2 2024 | 5.74% | 2.56% | 3.36% | 6.74% | 2.04% |
| Q3 2024 | 5.95% | 2.70% | 3.41% | 6.92% | 2.00% |
| Q4 2024 | 5.95% | 2.61% | 3.51% | 6.90% | 1.94% |
| Q1 2025 | 5.81% | 2.35% | 3.44% | 6.74% | 1.94% |
| Q2 2025 | 5.92% | 2.30% | 3.63% | 6.85% | 1.98% |
| Q3 2025 | 5.94% | 2.43% | 3.68% | 6.90% | 1.94% |
| Q4 2025 | 5.92% | 2.35% | 3.75% | 6.82% | 1.97% |
| Q1 2026 | 5.82% | 2.27% | 3.73% | 6.62% | 1.97% |
| Q2 2026 | 5.93% | 2.35% | 3.74% | 6.66% | 2.03% |
Traditions First 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 First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57092) · FFIEC NIC profile (RSSD 2963864)