Twin River 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.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which fell 0.54 percentage points to 1.35%. Twin River Bank has the highest net interest margin of the 10 banks headquartered in Idaho, 5.38% as of Q2 2026. Twin River Bank reported 5.38% on net interest margin for Q2 2026, 1.43 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 8.11% |
| Yield on securities | 1.35% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.44% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.38% |
| Yield to cost spread | 4.77% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $543K |
| Interest expense on deposits | $543K |
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 | 6.74% | 0.67% | 6.12% | 7.93% | 0.96% |
| Q4 2023 | 6.76% | 0.85% | 6.00% | 7.76% | 0.96% |
| Q1 2024 | 7.13% | 1.08% | 6.16% | 7.99% | 0.96% |
| Q2 2024 | 7.42% | 1.25% | 6.28% | 8.22% | 0.82% |
| Q3 2024 | 7.28% | 1.43% | 5.99% | 7.85% | 0.94% |
| Q4 2024 | 7.02% | 1.78% | 5.42% | 7.79% | 2.40% |
| Q1 2025 | 6.74% | 1.72% | 5.19% | 7.72% | 1.91% |
| Q2 2025 | 6.97% | 1.64% | 5.52% | 8.03% | 2.16% |
| Q3 2025 | 6.85% | 1.59% | 5.44% | 7.84% | 1.88% |
| Q4 2025 | 7.01% | 1.54% | 5.66% | 8.27% | 1.75% |
| Q1 2026 | 6.67% | 1.49% | 5.33% | 7.81% | 1.89% |
| Q2 2026 | 6.66% | 1.44% | 5.38% | 8.11% | 1.35% |
Twin River 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 Twin River 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 Twin River Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22993) · FFIEC NIC profile (RSSD 427960)