Transact Bank, N.A.: 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.
Net interest margin fell 0.29 percentage points from Q1 2026 to Q2 2026, ending at 2.33% against 2.62%. It was the largest change among the key lines on this page. Transact Bank, N.A. has the 2nd lowest net interest margin of the 63 banks headquartered in Colorado, at 2.33% as of Q2 2026. Transact Bank, N.A. reported 2.33% on net interest margin for Q2 2026, 1.56 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.75% |
| Yield on loans | 5.84% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.33% |
| Yield to cost spread | 1.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $33K |
| Total interest expense | $26K |
| Interest expense on deposits | $26K |
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 | 5.75% | 0.44% | 5.19% | 7.34% | 3.89% |
| Q4 2023 | 5.90% | 0.58% | 5.29% | 7.73% | 3.42% |
| Q1 2024 | 6.31% | 1.27% | 4.95% | 7.64% | 3.55% |
| Q2 2024 | 6.16% | 1.17% | 4.74% | 7.72% | 3.70% |
| Q3 2024 | 6.87% | 1.94% | 4.58% | 7.64% | 3.88% |
| Q4 2024 | 5.73% | 1.98% | 3.05% | 7.06% | 4.00% |
| Q1 2025 | 6.02% | 2.15% | 3.40% | 6.64% | 4.17% |
| Q2 2025 | 5.36% | 2.17% | 2.83% | 6.69% | 3.46% |
| Q3 2025 | 5.90% | 2.22% | 3.09% | 6.63% | 4.47% |
| Q4 2025 | 5.08% | 2.07% | 2.45% | 6.36% | 3.84% |
| Q1 2026 | 5.24% | 2.07% | 2.62% | 5.93% | 4.03% |
| Q2 2026 | 4.75% | 1.95% | 2.33% | 5.84% | 4.21% |
Transact Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Transact Bank, N.A., 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 Transact Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13986) · FFIEC NIC profile (RSSD 403254)