Trupoint 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.
Total interest expense fell 6.6% from Q1 2026 to Q2 2026, ending at $1.9M against $2.0M. It was the largest change among the key lines on this page. Within Virginia, Trupoint Bank is 24th of 56 on net interest margin, 4.10% as of Q2 2026. Trupoint Bank reported 4.10% on net interest margin for Q2 2026, 0.16 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.24% |
| Yield on loans | 6.22% |
| Yield on securities | 2.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.60% |
| Cost of interest-bearing liabilities | 1.63% |
| Cost of borrowings | 2.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.10% |
| Yield to cost spread | 3.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.3M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.7M |
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 | 4.02% | 1.13% | 2.98% | 5.08% | 1.93% |
| Q4 2023 | 4.09% | 1.35% | 2.82% | 5.13% | 1.98% |
| Q1 2024 | 4.24% | 1.51% | 2.77% | 5.27% | 1.98% |
| Q2 2024 | 4.37% | 1.66% | 2.84% | 5.44% | 2.01% |
| Q3 2024 | 4.44% | 1.66% | 2.90% | 5.59% | 1.88% |
| Q4 2024 | 4.55% | 1.52% | 3.15% | 5.73% | 1.95% |
| Q1 2025 | 4.57% | 1.40% | 3.28% | 5.80% | 1.95% |
| Q2 2025 | 4.65% | 1.37% | 3.39% | 5.86% | 1.91% |
| Q3 2025 | 4.72% | 1.34% | 3.50% | 6.03% | 1.90% |
| Q4 2025 | 5.04% | 1.27% | 3.79% | 6.11% | 2.08% |
| Q1 2026 | 5.10% | 1.23% | 3.90% | 6.27% | 2.19% |
| Q2 2026 | 5.24% | 1.18% | 4.10% | 6.22% | 2.30% |
Trupoint 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 Trupoint 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 Trupoint Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21883) · FFIEC NIC profile (RSSD 274829)