Truist 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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 4.8% to $2.17B. Truist Bank ranks 29th of 38 North Carolina banks on net interest margin, in the lower half at 3.08% (Q2 2026). Truist Bank reported 3.08% on net interest margin for Q2 2026, 0.21 points above the 2.88% median for banks in the >= $250B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.86% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.39% |
| Cost of borrowings | 4.13% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.47% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.64B |
| Total interest expense | $2.17B |
| Interest expense on deposits | $1.67B |
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 |
|---|---|---|---|
| Q3 2023 | 5.11% | 2.14% | 3.07% |
| Q4 2023 | 5.22% | 2.21% | 3.12% |
| Q1 2024 | 5.20% | 2.29% | 3.01% |
| Q2 2024 | 5.33% | 2.35% | 3.10% |
| Q3 2024 | 5.44% | 2.31% | 3.26% |
| Q4 2024 | 5.23% | 2.16% | 3.18% |
| Q1 2025 | 5.05% | 2.06% | 3.07% |
| Q2 2025 | 5.13% | 2.11% | 3.11% |
| Q3 2025 | 5.19% | 2.17% | 3.12% |
| Q4 2025 | 5.06% | 1.96% | 3.19% |
| Q1 2026 | 4.83% | 1.79% | 3.11% |
| Q2 2026 | 4.86% | 1.86% | 3.08% |
Truist 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 Truist 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 Truist Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9846) · FFIEC NIC profile (RSSD 852320)