Troy Bank & Trust Company: 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 fell 3.8% from Q1 2026 to Q2 2026, ending at $6.2M against $6.4M. It was the largest change among the key lines on this page. Within Alabama, Troy Bank & Trust Company is 46th of 93 on net interest margin, 3.87% as of Q2 2026, above the middle of the field. Troy Bank & Trust Company reported 3.87% on net interest margin for Q2 2026, 0.16 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.47% |
| Yield on loans | 6.43% |
| Yield on securities | 3.36% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.81% |
| Cost of interest-bearing deposits | 2.36% |
| Cost of interest-bearing liabilities | 2.36% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.11% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.8M |
| Total interest expense | $6.2M |
| Interest expense on deposits | $6.2M |
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 | 5.06% | 1.98% | 3.23% | 5.93% | 3.27% |
| Q4 2023 | 5.06% | 2.24% | 2.95% | 6.05% | 3.09% |
| Q1 2024 | 5.30% | 2.35% | 3.13% | 6.30% | 3.24% |
| Q2 2024 | 5.47% | 2.37% | 3.32% | 6.51% | 3.29% |
| Q3 2024 | 5.56% | 2.39% | 3.41% | 6.57% | 3.39% |
| Q4 2024 | 5.55% | 2.21% | 3.56% | 6.56% | 3.37% |
| Q1 2025 | 5.59% | 2.07% | 3.70% | 6.58% | 3.37% |
| Q2 2025 | 5.56% | 2.05% | 3.69% | 6.53% | 3.39% |
| Q3 2025 | 5.76% | 2.08% | 3.86% | 6.85% | 3.44% |
| Q4 2025 | 5.57% | 1.98% | 3.79% | 6.59% | 3.50% |
| Q1 2026 | 5.56% | 1.84% | 3.90% | 6.55% | 3.48% |
| Q2 2026 | 5.47% | 1.81% | 3.87% | 6.43% | 3.36% |
Troy Bank & Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Troy Bank & Trust Company, 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 Troy Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5598) · FFIEC NIC profile (RSSD 134437)