Triad Business 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 Net interest margin, which rose 0.15 percentage points to 2.71%. Triad Business Bank ranks 32nd of 38 North Carolina banks on net interest margin, in the lower half at 2.71% (Q2 2026). Triad Business Bank reported 2.71% on net interest margin for Q2 2026, 1.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.22% |
| Yield on loans | 5.98% |
| Yield on securities | 2.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.79% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.46% |
| Cost of borrowings | 4.18% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.71% |
| Yield to cost spread | 1.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.1M |
| Total interest expense | $3.4M |
| Interest expense on deposits | $3.1M |
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 | 4.89% | 3.12% | 2.08% | 5.69% | 2.96% |
| Q4 2023 | 5.01% | 3.31% | 2.02% | 5.83% | 3.00% |
| Q1 2024 | 5.14% | 3.41% | 2.02% | 6.02% | 2.87% |
| Q2 2024 | 5.21% | 3.52% | 2.00% | 6.06% | 2.92% |
| Q3 2024 | 5.34% | 3.50% | 2.19% | 6.21% | 2.96% |
| Q4 2024 | 5.20% | 3.39% | 2.22% | 6.09% | 2.84% |
| Q1 2025 | 5.08% | 3.29% | 2.17% | 5.93% | 2.82% |
| Q2 2025 | 5.13% | 3.21% | 2.26% | 5.98% | 2.80% |
| Q3 2025 | 5.33% | 3.16% | 2.51% | 6.22% | 2.73% |
| Q4 2025 | 5.26% | 2.90% | 2.66% | 6.12% | 2.59% |
| Q1 2026 | 5.03% | 2.74% | 2.56% | 5.78% | 2.58% |
| Q2 2026 | 5.22% | 2.79% | 2.71% | 5.98% | 2.64% |
Triad Business 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 Business 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 Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59188) · FFIEC NIC profile (RSSD 5398627)