Triad 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.
Total interest expense rose 6.8% from Q1 2026 to Q2 2026, ending at $6.0M against $5.7M. It was the largest change among the key lines on this page. Within Missouri, Triad Bank is 118th of 191 on net interest margin, 3.88% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Triad Bank sits 0.17 points higher, at 3.88% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.27% |
| Yield on loans | 6.98% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.63% |
| Cost of interest-bearing deposits | 2.90% |
| Cost of interest-bearing liabilities | 3.06% |
| Cost of borrowings | 4.24% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.21% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $13.8M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $5.1M |
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 | 6.04% | 1.58% | 4.28% | 6.41% | 2.60% |
| Q4 2023 | 6.33% | 1.94% | 4.23% | 6.68% | 2.71% |
| Q1 2024 | 6.39% | 2.51% | 4.10% | 6.78% | 2.78% |
| Q2 2024 | 6.55% | 2.61% | 4.18% | 6.89% | 2.56% |
| Q3 2024 | 6.69% | 2.78% | 4.17% | 7.05% | 2.85% |
| Q4 2024 | 6.54% | 2.75% | 4.08% | 6.91% | 3.28% |
| Q1 2025 | 6.35% | 2.76% | 3.84% | 6.76% | 3.40% |
| Q2 2025 | 6.49% | 2.87% | 3.88% | 7.01% | 3.34% |
| Q3 2025 | 6.46% | 2.90% | 3.83% | 7.19% | 3.27% |
| Q4 2025 | 6.38% | 2.70% | 3.96% | 7.02% | 3.32% |
| Q1 2026 | 6.12% | 2.55% | 3.80% | 6.78% | 3.29% |
| Q2 2026 | 6.27% | 2.63% | 3.88% | 6.98% | 3.71% |
Triad 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 Triad 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 Triad Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58121) · FFIEC NIC profile (RSSD 3374382)