Tri Counties 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 2.9% to $26.7M. Within California, Tri Counties Bank is 39th of 114 on net interest margin, 4.06% as of Q2 2026, above the middle of the field. Tri Counties Bank reported 4.06% on net interest margin for Q2 2026, 0.35 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.20% |
| Yield on loans | 5.84% |
| Yield on securities | 3.04% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.27% |
| Cost of interest-bearing deposits | 1.84% |
| Cost of interest-bearing liabilities | 1.83% |
| Cost of borrowings | 0.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.37% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $104.5M |
| Total interest expense | $26.7M |
| Interest expense on deposits | $26.7M |
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 | 4.83% | 1.06% | 3.86% | 5.56% | 3.01% |
| Q4 2023 | 4.95% | 1.30% | 3.78% | 5.68% | 3.03% |
| Q1 2024 | 4.97% | 1.47% | 3.64% | 5.69% | 3.01% |
| Q2 2024 | 5.40% | 1.56% | 3.87% | 5.79% | 3.91% |
| Q3 2024 | 5.17% | 1.60% | 3.73% | 5.87% | 3.13% |
| Q4 2024 | 5.13% | 1.51% | 3.78% | 5.82% | 3.06% |
| Q1 2025 | 4.96% | 1.43% | 3.67% | 5.63% | 2.97% |
| Q2 2025 | 5.08% | 1.36% | 3.86% | 5.74% | 2.92% |
| Q3 2025 | 5.18% | 1.39% | 3.92% | 5.80% | 3.14% |
| Q4 2025 | 5.19% | 1.30% | 4.02% | 5.83% | 3.05% |
| Q1 2026 | 5.11% | 1.24% | 3.99% | 5.71% | 3.00% |
| Q2 2026 | 5.20% | 1.27% | 4.06% | 5.84% | 3.04% |
Tri Counties 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 Tri Counties 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 Tri Counties Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21943) · FFIEC NIC profile (RSSD 100562)