Alliance Bank Central Texas: 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 biggest quarter-over-quarter change on this page was a small one: Cost of borrowings edged down 0.23 percentage points between Q1 2026 and Q2 2026, to 3.84%. Within Texas, Alliance Bank Central Texas is 301st of 345 on net interest margin, 3.16% as of Q2 2026, below the middle of the field. Alliance Bank Central Texas reported 3.16% on net interest margin for Q2 2026, 0.55 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.78% |
| Yield on loans | 6.43% |
| Yield on securities | 4.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.72% |
| Cost of interest-bearing deposits | 3.41% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | 3.84% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.16% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.1M |
| Total interest expense | $8.1M |
| Interest expense on deposits | $7.2M |
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 | 5.85% | 3.35% | 2.84% | 6.29% | 1.77% |
| Q4 2023 | 6.18% | 3.65% | 2.89% | 6.57% | 1.91% |
| Q1 2024 | 6.20% | 3.55% | 2.80% | 6.61% | 1.91% |
| Q2 2024 | 6.26% | 3.53% | 2.83% | 6.52% | 1.97% |
| Q3 2024 | 6.37% | 3.69% | 2.87% | 6.67% | 1.96% |
| Q4 2024 | 6.28% | 3.39% | 3.04% | 6.63% | 2.40% |
| Q1 2025 | 6.11% | 3.12% | 3.08% | 6.56% | 2.32% |
| Q2 2025 | 6.28% | 2.87% | 3.35% | 6.67% | 2.66% |
| Q3 2025 | 6.34% | 2.91% | 3.42% | 6.72% | 2.64% |
| Q4 2025 | 6.06% | 2.91% | 3.22% | 6.62% | 2.29% |
| Q1 2026 | 5.86% | 2.83% | 3.11% | 6.41% | 4.25% |
| Q2 2026 | 5.78% | 2.72% | 3.16% | 6.43% | 4.19% |
Alliance Bank Central Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliance Bank Central Texas, 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 Alliance Bank Central Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15657) · FFIEC NIC profile (RSSD 601658)