Tustin Community 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 0.43 percentage points in Q2 2026, from 5.67% to 6.10%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, Tustin Community Bank sits 3rd from the top on net interest margin, 6.10% as of Q2 2026. Against a median of 3.89% for banks in the < $100M asset tier, Tustin Community Bank reported 6.10% on net interest margin in Q2 2026, 2.21 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.23% |
| Yield on loans | 8.61% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.37% |
| Cost of interest-bearing deposits | 2.71% |
| Cost of interest-bearing liabilities | 2.80% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.10% |
| Yield to cost spread | 5.43% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $414K |
| Interest expense on deposits | $387K |
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 | 7.62% | 1.35% | 6.44% | 8.43% | 4.00% |
| Q4 2023 | 8.38% | 1.95% | 6.66% | 8.87% | 4.20% |
| Q1 2024 | 8.25% | 2.25% | 6.32% | 8.80% | 4.00% |
| Q2 2024 | 8.27% | 2.65% | 6.02% | 8.80% | 4.00% |
| Q3 2024 | 8.36% | 3.08% | 5.81% | 8.91% | 4.00% |
| Q4 2024 | 8.29% | 3.09% | 5.75% | 8.91% | 4.00% |
| Q1 2025 | 7.85% | 3.08% | 5.30% | 8.53% | 4.00% |
| Q2 2025 | 7.91% | 2.83% | 5.49% | 8.82% | 4.00% |
| Q3 2025 | 7.93% | 2.78% | 5.58% | 8.60% | 5.44% |
| Q4 2025 | 7.95% | 2.39% | 5.82% | 8.77% | — |
| Q1 2026 | 7.68% | 2.24% | 5.67% | 8.50% | — |
| Q2 2026 | 8.23% | 2.37% | 6.10% | 8.61% | — |
Tustin Community 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 Tustin Community 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 Tustin Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32908) · FFIEC NIC profile (RSSD 1418255)