Trinity Bank, N.A.: 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 fell 5.9% to $2.2M. Trinity Bank, N.A. ranks 122nd of 345 Texas banks on net interest margin, in the upper half at 4.41% (Q2 2026). Trinity Bank, N.A. reported 4.41% on net interest margin for Q2 2026, 0.46 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.03% |
| Yield on loans | 6.87% |
| Yield on securities | 4.69% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.78% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.41% |
| Yield to cost spread | 3.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.0M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $2.2M |
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 | 5.61% | 2.30% | 3.51% | 6.90% | 2.81% |
| Q4 2023 | 5.81% | 2.55% | 3.50% | 7.05% | 3.11% |
| Q1 2024 | 5.80% | 2.58% | 3.46% | 7.06% | 3.22% |
| Q2 2024 | 6.11% | 2.56% | 3.80% | 7.18% | 3.82% |
| Q3 2024 | 6.58% | 2.56% | 4.27% | 7.35% | 5.18% |
| Q4 2024 | 5.91% | 2.26% | 3.86% | 7.11% | 4.02% |
| Q1 2025 | 5.89% | 1.89% | 4.15% | 6.92% | 4.16% |
| Q2 2025 | 5.98% | 1.95% | 4.21% | 6.99% | 4.34% |
| Q3 2025 | 6.03% | 2.02% | 4.20% | 7.12% | 4.31% |
| Q4 2025 | 5.97% | 2.00% | 4.17% | 6.99% | 4.47% |
| Q1 2026 | 5.84% | 1.88% | 4.14% | 6.77% | 4.51% |
| Q2 2026 | 6.03% | 1.78% | 4.41% | 6.87% | 4.69% |
Trinity Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trinity Bank, N.A., 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 Trinity Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57543) · FFIEC NIC profile (RSSD 3185896)