The 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.
The standout move of Q2 2026 was in Cost of borrowings: 0.85 percentage points higher than in Q1 2026, at 5.84%. Within Nebraska, The Tri-County Bank is 29th of 138 on net interest margin, 4.39% as of Q2 2026, above the middle of the field. The Tri-County Bank reported 4.39% on net interest margin for Q2 2026, 0.44 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.25% |
| Yield on loans | 7.17% |
| Yield on securities | 4.78% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.80% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 5.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.39% |
| Yield to cost spread | 3.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.2M |
| Total interest expense | $1.2M |
| Interest expense on deposits | $1.2M |
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 | 5.31% | 1.96% | 3.28% | 6.12% | 3.09% |
| Q4 2023 | 5.52% | 2.09% | 3.36% | 6.34% | 3.23% |
| Q1 2024 | 5.67% | 2.29% | 3.29% | 6.53% | 3.26% |
| Q2 2024 | 5.92% | 2.42% | 3.38% | 6.76% | 3.59% |
| Q3 2024 | 6.01% | 2.48% | 3.40% | 6.82% | 3.63% |
| Q4 2024 | 6.09% | 2.26% | 3.70% | 6.90% | 3.91% |
| Q1 2025 | 6.16% | 1.99% | 4.00% | 6.92% | 3.96% |
| Q2 2025 | 6.22% | 2.04% | 4.01% | 7.00% | 3.95% |
| Q3 2025 | 6.39% | 1.90% | 4.31% | 7.20% | 4.03% |
| Q4 2025 | 6.38% | 1.74% | 4.52% | 7.27% | 4.10% |
| Q1 2026 | 6.30% | 1.72% | 4.49% | 7.23% | 4.09% |
| Q2 2026 | 6.25% | 1.80% | 4.39% | 7.17% | 4.78% |
The 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 The 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 The Tri-County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16339) · FFIEC NIC profile (RSSD 657954)