Tri-County 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 $2.4M, the biggest move on this page. Among 72 Michigan banks, Tri-County Bank sits 6th from the top on net interest margin, 4.93% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Tri-County Bank sits 0.99 points higher, at 4.93% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.47% |
| Yield on loans | 7.47% |
| Yield on securities | 1.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 3.83% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.93% |
| Yield to cost spread | 3.54% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.4M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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% | 1.14% | 3.56% | 6.19% | 1.37% |
| Q4 2023 | 5.03% | 1.23% | 3.67% | 6.41% | 1.38% |
| Q1 2024 | 5.38% | 1.40% | 3.84% | 6.82% | 1.40% |
| Q2 2024 | 5.65% | 1.58% | 3.95% | 7.10% | 1.38% |
| Q3 2024 | 5.71% | 1.63% | 3.95% | 7.07% | 1.45% |
| Q4 2024 | 5.77% | 1.84% | 4.13% | 7.05% | 1.47% |
| Q1 2025 | 5.85% | 1.76% | 4.27% | 7.15% | 1.46% |
| Q2 2025 | 6.08% | 1.78% | 4.48% | 7.32% | 1.49% |
| Q3 2025 | 6.32% | 1.75% | 4.75% | 7.58% | 1.53% |
| Q4 2025 | 6.38% | 1.73% | 4.86% | 7.52% | 1.60% |
| Q1 2026 | 6.45% | 1.40% | 4.96% | 7.61% | 1.54% |
| Q2 2026 | 6.47% | 1.44% | 4.93% | 7.47% | 1.64% |
Tri-County 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-County 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-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 977) · FFIEC NIC profile (RSSD 695349)