Tristar 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.
Compared with Q1 2026, Yield on securities rose 0.33 percentage points in Q2 2026 to 3.91%, the biggest move on this page. Tristar Bank ranks 73rd of 109 Tennessee banks on net interest margin, in the lower half at 3.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Tristar Bank sits 0.25 points lower, at 3.69% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.92% |
| Yield on loans | 6.77% |
| Yield on securities | 3.91% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.35% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | 4.29% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.69% |
| Yield to cost spread | 3.29% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.2M |
| Total interest expense | $2.9M |
| Interest expense on deposits | $2.6M |
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 | 5.55% | 2.06% | 3.57% | 6.35% | 2.93% |
| Q4 2023 | 5.67% | 2.22% | 3.57% | 6.52% | 2.99% |
| Q1 2024 | 5.74% | 2.34% | 3.51% | 6.50% | 3.02% |
| Q2 2024 | 5.71% | 2.38% | 3.46% | 6.56% | 3.03% |
| Q3 2024 | 5.88% | 2.49% | 3.53% | 6.77% | 3.03% |
| Q4 2024 | 5.95% | 2.54% | 3.55% | 6.79% | 2.96% |
| Q1 2025 | 5.91% | 2.42% | 3.63% | 6.80% | 2.91% |
| Q2 2025 | 6.04% | 2.43% | 3.73% | 6.95% | 2.93% |
| Q3 2025 | 6.08% | 2.46% | 3.75% | 6.92% | 3.19% |
| Q4 2025 | 5.97% | 2.45% | 3.66% | 6.82% | 3.39% |
| Q1 2026 | 5.80% | 2.37% | 3.55% | 6.68% | 3.58% |
| Q2 2026 | 5.92% | 2.35% | 3.69% | 6.77% | 3.91% |
Tristar 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 Tristar 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 Tristar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35417) · FFIEC NIC profile (RSSD 2871099)