Trucommunity 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.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 4.27% to 4.38%, the largest move among the key lines here. Within North Dakota, Trucommunity Bank is 9th of 60 on net interest margin, 4.38% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Trucommunity Bank sits 0.43 points higher, at 4.38% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.51% |
| Yield on loans | 6.73% |
| Yield on securities | 2.99% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.23% |
| Cost of interest-bearing deposits | 1.45% |
| Cost of interest-bearing liabilities | 1.53% |
| Cost of borrowings | 3.88% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.38% |
| Yield to cost spread | 3.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $901K |
| Interest expense on deposits | $811K |
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 | 4.72% | 1.28% | 3.54% | 6.17% | 2.05% |
| Q4 2023 | 4.83% | 1.32% | 3.62% | 6.30% | 2.08% |
| Q1 2024 | 4.85% | 1.30% | 3.67% | 6.28% | 2.19% |
| Q2 2024 | 5.05% | 1.45% | 3.73% | 6.47% | 2.24% |
| Q3 2024 | 5.22% | 1.81% | 3.56% | 6.63% | 2.24% |
| Q4 2024 | 5.19% | 1.65% | 3.69% | 6.55% | 2.35% |
| Q1 2025 | 5.16% | 1.34% | 3.94% | 6.45% | 2.65% |
| Q2 2025 | 5.37% | 1.34% | 4.15% | 6.65% | 2.78% |
| Q3 2025 | 5.63% | 1.56% | 4.19% | 6.87% | 2.83% |
| Q4 2025 | 5.54% | 1.49% | 4.17% | 6.77% | 2.83% |
| Q1 2026 | 5.38% | 1.21% | 4.27% | 6.60% | 2.94% |
| Q2 2026 | 5.51% | 1.23% | 4.38% | 6.73% | 2.99% |
Trucommunity 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 Trucommunity 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 Trucommunity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15306) · FFIEC NIC profile (RSSD 808653)