Tricentury 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 Total interest expense, which rose 4.7% to $1.4M. Within Kansas, Tricentury Bank is 88th of 182 on net interest margin, 4.02% as of Q2 2026, above the middle of the field. At 4.02%, Tricentury Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.67% |
| Yield on loans | 7.16% |
| Yield on securities | 6.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.88% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.21% |
| Cost of borrowings | 2.95% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.02% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $1.4M |
| Interest expense on deposits | $959K |
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 | 6.25% | 2.31% | 4.19% | 6.42% | — |
| Q4 2023 | 6.20% | 2.41% | 4.03% | 6.30% | — |
| Q1 2024 | 6.20% | 2.81% | 3.74% | 6.40% | 5.93% |
| Q2 2024 | 6.43% | 2.88% | 3.92% | 6.75% | 6.19% |
| Q3 2024 | 6.58% | 2.95% | 3.98% | 6.95% | 2.37% |
| Q4 2024 | 6.47% | 2.95% | 3.88% | 6.81% | 2.75% |
| Q1 2025 | 6.42% | 3.03% | 3.78% | 6.84% | 4.80% |
| Q2 2025 | 6.66% | 3.16% | 3.94% | 7.06% | 4.88% |
| Q3 2025 | 6.90% | 3.07% | 4.16% | 7.19% | 5.44% |
| Q4 2025 | 6.87% | 3.05% | 4.14% | 7.13% | 5.69% |
| Q1 2026 | 6.57% | 3.02% | 3.92% | 6.97% | 5.98% |
| Q2 2026 | 6.67% | 2.88% | 4.02% | 7.16% | 6.19% |
Tricentury 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 Tricentury 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 Tricentury Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18109) · FFIEC NIC profile (RSSD 196752)