The Trust 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.
Net interest margin climbed 0.67 percentage points in Q2 2026, from 6.57% to 7.24%. It was the largest change from Q1 2026 among the key lines here. The Trust Bank has the highest net interest margin of the 121 banks headquartered in Georgia, 7.24% as of Q2 2026. The Trust Bank's net interest margin of 7.24% is well above the 3.89% median for banks in the < $100M asset tier, a gap of 3.35 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.96% |
| Yield on loans | 10.94% |
| Yield on securities | 3.38% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.79% |
| Cost of interest-bearing deposits | 1.38% |
| Cost of interest-bearing liabilities | 1.38% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.24% |
| Yield to cost spread | 6.58% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $667K |
| Total interest expense | $76K |
| Interest expense on deposits | $76K |
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 | 7.57% | 0.41% | 7.24% | 11.55% | 3.05% |
| Q4 2023 | 7.89% | 0.44% | 7.55% | 11.27% | 3.45% |
| Q1 2024 | 7.54% | 0.56% | 7.11% | 11.57% | 3.11% |
| Q2 2024 | 8.51% | 0.70% | 7.98% | 11.96% | 3.15% |
| Q3 2024 | 8.22% | 0.69% | 7.62% | 12.09% | 2.88% |
| Q4 2024 | 8.46% | 0.70% | 7.84% | 11.84% | 3.24% |
| Q1 2025 | 7.25% | 0.66% | 6.75% | 10.34% | 3.21% |
| Q2 2025 | 8.30% | 0.75% | 7.59% | 11.23% | 3.14% |
| Q3 2025 | 7.79% | 0.71% | 7.14% | 10.73% | 3.27% |
| Q4 2025 | 7.59% | 0.71% | 6.94% | 10.20% | 3.31% |
| Q1 2026 | 7.24% | 0.75% | 6.57% | 10.46% | 3.34% |
| Q2 2026 | 7.96% | 0.79% | 7.24% | 10.94% | 3.38% |
The Trust 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 The Trust 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 The Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13832) · FFIEC NIC profile (RSSD 894834)