Tri-County Bank & Trust Company: 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 3.7% to $1.6M. Tri-County Bank & Trust Company has the 5th lowest net interest margin of the 87 banks headquartered in Indiana, at 2.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Tri-County Bank & Trust Company sits 1.22 points lower, at 2.73% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.88% |
| Yield on loans | 5.70% |
| Yield on securities | 2.68% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.69% |
| Cost of borrowings | 3.59% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 2.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
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 | 4.40% | 1.80% | 2.75% | 5.15% | 2.30% |
| Q4 2023 | 4.61% | 2.28% | 2.64% | 5.32% | 2.33% |
| Q1 2024 | 4.58% | 2.51% | 2.40% | 5.30% | 2.32% |
| Q2 2024 | 4.75% | 2.48% | 2.54% | 5.46% | 2.31% |
| Q3 2024 | 4.84% | 2.62% | 2.47% | 5.58% | 2.27% |
| Q4 2024 | 4.86% | 2.52% | 2.58% | 5.60% | 2.33% |
| Q1 2025 | 4.72% | 2.34% | 2.56% | 5.42% | 2.32% |
| Q2 2025 | 4.83% | 2.38% | 2.64% | 5.55% | 2.39% |
| Q3 2025 | 4.92% | 2.43% | 2.68% | 5.62% | 2.57% |
| Q4 2025 | 4.89% | 2.36% | 2.75% | 5.63% | 2.57% |
| Q1 2026 | 4.73% | 2.31% | 2.58% | 5.47% | 2.62% |
| Q2 2026 | 4.88% | 2.33% | 2.73% | 5.70% | 2.68% |
Tri-County Bank & Trust Company 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 & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 210) · FFIEC NIC profile (RSSD 914545)