Tucumcari Federal Savings & Loan Association: 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 Net interest margin, which fell 0.19 percentage points to 3.19%. On net interest margin, Tucumcari Federal Savings & Loan Association is 1st from the bottom among 29 New Mexico banks, 3.19% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Tucumcari Federal Savings & Loan Association sits 0.70 points lower, at 3.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.82% |
| Yield on securities | 4.59% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.42% |
| Cost of interest-bearing deposits | 3.24% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.19% |
| Yield to cost spread | 2.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $418K |
| Total interest expense | $250K |
| Interest expense on deposits | $232K |
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 | 5.88% | 4.04% | 3.17% | 6.17% | 3.79% |
| Q4 2023 | 5.93% | 4.30% | 2.97% | 6.32% | 3.92% |
| Q1 2024 | 6.09% | 4.45% | 2.94% | 6.38% | 4.44% |
| Q2 2024 | 6.16% | 4.44% | 3.02% | 6.54% | 4.24% |
| Q3 2024 | 6.47% | 4.45% | 3.23% | 6.65% | 4.90% |
| Q4 2024 | 6.27% | 4.06% | 3.16% | 6.72% | 4.96% |
| Q1 2025 | 6.22% | 3.82% | 3.33% | 6.69% | 5.07% |
| Q2 2025 | 6.27% | 3.63% | 3.51% | 6.71% | 5.13% |
| Q3 2025 | 6.28% | 3.64% | 3.53% | 6.74% | 4.89% |
| Q4 2025 | 6.15% | 3.51% | 3.47% | 6.78% | 4.83% |
| Q1 2026 | 6.04% | 3.44% | 3.38% | 6.81% | 4.32% |
| Q2 2026 | 5.90% | 3.42% | 3.19% | 6.82% | 4.59% |
Tucumcari Federal Savings & Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tucumcari Federal Savings & Loan Association, 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 Tucumcari Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29059) · FFIEC NIC profile (RSSD 767572)