Tri-Valley 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 Yield on securities, which rose 0.54 percentage points to 2.84%. Within Iowa, Tri-Valley Bank is 37th of 225 on net interest margin, 4.10% as of Q2 2026, above the middle of the field. Tri-Valley Bank reported 4.10% on net interest margin for Q2 2026, 0.21 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 6.65% |
| Yield on securities | 2.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.26% |
| Cost of interest-bearing deposits | 1.70% |
| Cost of interest-bearing liabilities | 1.70% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.65% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $824K |
| Total interest expense | $243K |
| Interest expense on deposits | $243K |
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 | 4.54% | 0.71% | 3.85% | 5.96% | 2.36% |
| Q4 2023 | 4.57% | 0.91% | 3.70% | 5.94% | 2.42% |
| Q1 2024 | 5.36% | 1.16% | 4.23% | 7.19% | 2.18% |
| Q2 2024 | 5.32% | 1.30% | 4.09% | 6.82% | 2.51% |
| Q3 2024 | 5.51% | 1.48% | 4.07% | 6.95% | 2.39% |
| Q4 2024 | 5.37% | 1.60% | 3.84% | 6.94% | 2.54% |
| Q1 2025 | 5.18% | 1.67% | 3.60% | 6.92% | 2.40% |
| Q2 2025 | 4.31% | 1.66% | 2.67% | 5.23% | 2.30% |
| Q3 2025 | 5.35% | 1.52% | 3.85% | 6.45% | 2.43% |
| Q4 2025 | 5.56% | 1.48% | 4.14% | 7.03% | 2.41% |
| Q1 2026 | 5.31% | 1.27% | 4.10% | 6.62% | 2.30% |
| Q2 2026 | 5.35% | 1.26% | 4.10% | 6.65% | 2.84% |
Tri-Valley 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-Valley 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-Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12417) · FFIEC NIC profile (RSSD 404943)