Trubank: 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, Total interest expense rose 5.1% in Q2 2026 to $2.2M, the biggest move on this page. Within Iowa, Trubank is 118th of 225 on net interest margin, 3.65% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Trubank sits 0.29 points lower, at 3.65% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.60% |
| Yield on loans | 7.08% |
| Yield on securities | 2.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.90% |
| Cost of interest-bearing deposits | 2.11% |
| Cost of interest-bearing liabilities | 2.41% |
| Cost of borrowings | 3.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.65% |
| Yield to cost spread | 3.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.1M |
| Total interest expense | $2.2M |
| Interest expense on deposits | $1.6M |
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 | 4.93% | 1.85% | 3.05% | 6.70% | 1.49% |
| Q4 2023 | 4.95% | 2.05% | 2.86% | 6.58% | 1.53% |
| Q1 2024 | 5.04% | 2.07% | 2.92% | 6.60% | 1.57% |
| Q2 2024 | 5.17% | 2.08% | 3.04% | 6.73% | 1.66% |
| Q3 2024 | 5.36% | 2.14% | 3.18% | 6.95% | 1.67% |
| Q4 2024 | 5.50% | 2.07% | 3.40% | 7.04% | 1.82% |
| Q1 2025 | 5.31% | 1.98% | 3.30% | 6.76% | 2.12% |
| Q2 2025 | 5.65% | 2.03% | 3.58% | 7.22% | 2.18% |
| Q3 2025 | 5.88% | 2.00% | 3.82% | 7.43% | 2.46% |
| Q4 2025 | 5.64% | 1.99% | 3.62% | 7.14% | 2.50% |
| Q1 2026 | 5.59% | 1.86% | 3.68% | 7.09% | 2.61% |
| Q2 2026 | 5.60% | 1.90% | 3.65% | 7.08% | 2.87% |
Trubank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Trubank, 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 Trubank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25267) · FFIEC NIC profile (RSSD 862141)