Is TCNB or RYLD a better dividend investment in 2026?

TCNB currently yields 34.48% with a 5% 5-year dividend growth rate. RYLD yields 12.14% with 5% growth. The better choice depends on your goal: TCNB offers higher current income.

What is the dividend yield difference between TCNB and RYLD?

TCNB has a forward dividend yield of 34.48% ($2.00/share annually). RYLD yields 12.14% ($1.81/share annually). The yield gap is 22.34 percentage points.

Home › Compare › TCNB vs RYLD

TCNB vs RYLD: Dividend Comparison 2026

TCNB yields 34.48% · RYLD yields 12.14%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 TCNB wins by $126.3K in total portfolio value

INVESTMENT

TIME HORIZON10 years

TCNB

● Live price

34.48%

Share price

$5.80

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$170.9K

Annual income

$25,483.90

Full TCNB calculator →

RYLD

● Live price

12.14%

Share price

$14.95

Annual div

$1.81

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$44.5K

Annual income

$2,587.35

Full RYLD calculator →

Portfolio growth — TCNB vs RYLD

📍 TCNB pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	TCNB	RYLD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

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Dividend Calendar Overlap

Combined, TCNB + RYLD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

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Apr

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May

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Jun

—

Jul

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Aug

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Sep

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Oct

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Nov

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Dec

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TCNB pays

RYLD pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

TCNB

Annual income on $10K today (after 15% tax)

$2,931.03/yr

After 10yr DRIP, annual income (after tax)

$21,661.32/yr

RYLD

Annual income on $10K today (after 15% tax)

$1,031.60/yr

After 10yr DRIP, annual income (after tax)

$2,199.25/yr

At 15% tax rate, TCNB beats the other by $19,462.07/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of TCNB + RYLD for your $10,000?

TCNB: 50%RYLD: 50%

100% RYLD50/50100% TCNB

Portfolio after 10yr

$107.7K

Annual income

$14,035.62/yr

Blended yield

13.03%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

TCNB buys

RYLD buys

No recent congressional trades found for TCNB or RYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricTCNBRYLD

Forward yield	34.48% ✓	12.14%
Annual dividend / share	$2.00 ✓	$1.81
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$170.9K ✓	$44.5K
Annual income after 10y	$25,483.90 ✓	$2,587.35
Total dividends collected	$122.6K ✓	$18.8K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: TCNB vs RYLD ($10,000, DRIP)

Year	TCNB Portfolio	TCNB Income/yr	RYLD Portfolio	RYLD Income/yr	Gap
1← crossover	$14,148	$3,448.28	$11,914	$1,213.65	+$2.2K → TCNB
2	$19,698	$4,559.55	$14,099	$1,351.30	+$5.6K → TCNB
3	$27,010	$5,932.82	$16,580	$1,494.55	+$10.4K → TCNB
4	$36,503	$7,602.80	$19,384	$1,642.61	+$17.1K → TCNB
5	$48,661	$9,602.85	$22,535	$1,794.70	+$26.1K → TCNB
6	$64,032	$11,963.78	$26,063	$1,950.00	+$38.0K → TCNB
7	$83,226	$14,712.73	$29,995	$2,107.69	+$53.2K → TCNB
8	$106,925	$17,872.17	$34,361	$2,266.99	+$72.6K → TCNB
9	$135,868	$21,458.98	$39,194	$2,427.12	+$96.7K → TCNB
10	$170,863	$25,483.90	$44,525	$2,587.35	+$126.3K → TCNB

TCNB vs RYLD: Complete Analysis 2026

TCNB — Stock

Town Center Bank provides various financial services to individuals and businesses in Illinois. The company offers a range of deposit products, such as checking accounts, sweep accounts, savings accounts, term certificate accounts, and certificates of deposit; and various lending products comprising commercial loans, consumer loans, home mortgage loans, home equity lines of credit, home equity loans, installment loans, working capital loans, secured or unsecured lines of credit, equipment loans, and asset and AR based loans, as well as commercial real estate loans for office buildings, industrial/warehouses, retail/apartments, mixed use, improved land, construction, and development. It also provides cash management, bill payment, remote deposit capture, Xpress deposit, and online and mobile banking services, as well as night depository, merchant card processing, and ACH and wire originations services. In addition, the company offers debit and credit cards; and additional services, such as coin counting and property tax payment services. It operates through its offices in Frankfort and New Lenox, Illinois. Town Center Bank was founded in 2006 and is based in New Lenox, Illinois.

Full TCNB Calculator →

RYLD — ETF

The Global X Russell 2000 Covered Call ETF (RYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe Russell 2000 BuyWrite Index.

Full RYLD Calculator →

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.