Trustar 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 rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 3.17% against 2.98%. It was the largest change among the key lines on this page. Within Virginia, Trustar Bank is 47th of 56 on net interest margin, 3.17% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Trustar Bank sits 0.54 points lower, at 3.17% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.89% |
| Yield on loans | 6.29% |
| Yield on securities | 4.40% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.02% |
| Cost of interest-bearing deposits | 3.35% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 4.79% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.17% |
| Yield to cost spread | 2.45% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.7M |
| Total interest expense | $7.8M |
| Interest expense on deposits | $7.1M |
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 | 5.58% | 3.40% | 2.53% | 6.02% | 2.53% |
| Q4 2023 | 5.74% | 3.68% | 2.41% | 6.15% | 2.79% |
| Q1 2024 | 5.76% | 3.76% | 2.38% | 6.20% | 3.28% |
| Q2 2024 | 5.87% | 3.76% | 2.48% | 6.29% | 3.38% |
| Q3 2024 | 6.02% | 3.94% | 2.48% | 6.44% | 3.33% |
| Q4 2024 | 5.92% | 3.76% | 2.54% | 6.36% | 3.09% |
| Q1 2025 | 5.90% | 3.48% | 2.77% | 6.37% | 3.58% |
| Q2 2025 | 5.95% | 3.47% | 2.84% | 6.38% | 4.19% |
| Q3 2025 | 6.05% | 3.43% | 2.99% | 6.45% | 4.37% |
| Q4 2025 | 5.99% | 3.17% | 3.11% | 6.44% | 4.46% |
| Q1 2026 | 5.67% | 2.95% | 2.98% | 6.09% | 4.36% |
| Q2 2026 | 5.89% | 3.02% | 3.17% | 6.29% | 4.40% |
Trustar 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 Trustar 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 Trustar Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59183) · FFIEC NIC profile (RSSD 5349218)