Truxton Trust Company: 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, Total interest expense edged up by 2.0%, from $8.4M to $8.6M, the largest move among the key lines here. Truxton Trust Company has the 6th lowest net interest margin of the 109 banks headquartered in Tennessee, at 3.07% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Truxton Trust Company sits 0.64 points lower, at 3.07% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.62% |
| Yield on loans | 6.15% |
| Yield on securities | 4.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.75% |
| Cost of interest-bearing deposits | 3.14% |
| Cost of interest-bearing liabilities | 3.14% |
| Cost of borrowings | 3.53% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.07% |
| Yield to cost spread | 2.48% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $12.3M |
| Total interest expense | $8.6M |
| Interest expense on deposits | $7.9M |
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 | 5.41% | 2.95% | 2.68% | 6.13% | 3.88% |
| Q4 2023 | 5.67% | 3.30% | 2.85% | 6.42% | 3.95% |
| Q1 2024 | 5.61% | 3.58% | 2.66% | 6.31% | 4.08% |
| Q2 2024 | 5.76% | 3.11% | 2.80% | 6.38% | 4.38% |
| Q3 2024 | 5.87% | 3.31% | 2.73% | 6.53% | 4.71% |
| Q4 2024 | 5.71% | 2.90% | 2.94% | 6.20% | 4.48% |
| Q1 2025 | 5.55% | 2.77% | 2.91% | 6.12% | 4.46% |
| Q2 2025 | 5.60% | 2.99% | 2.84% | 6.16% | 4.87% |
| Q3 2025 | 5.69% | 3.07% | 2.84% | 6.42% | 4.85% |
| Q4 2025 | 5.69% | 2.95% | 2.97% | 6.33% | 4.86% |
| Q1 2026 | 5.59% | 2.66% | 3.12% | 6.05% | 4.96% |
| Q2 2026 | 5.62% | 2.75% | 3.07% | 6.15% | 4.90% |
Truxton Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Truxton Trust Company, 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 Truxton Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57825) · FFIEC NIC profile (RSSD 3290240)