Atascosa 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.
Compared with Q1 2026, Yield on loans rose 0.61 percentage points in Q2 2026 to 6.79%, the biggest move on this page. On net interest margin, Atascosa Bank is 26th from the bottom among 345 Texas banks, 2.92% (Q2 2026). Atascosa Bank reported 2.92% on net interest margin for Q2 2026, 0.97 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.92% |
| Yield on loans | 6.79% |
| Yield on securities | 2.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.13% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 1.82% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.92% |
| Yield to cost spread | 2.10% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $361K |
| Total interest expense | $206K |
| Interest expense on deposits | $206K |
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 | 3.93% | 0.78% | 3.21% | 7.53% | 2.52% |
| Q4 2023 | 3.94% | 0.88% | 3.14% | 7.39% | 2.63% |
| Q1 2024 | 4.05% | 0.97% | 3.18% | 7.65% | 2.67% |
| Q2 2024 | 4.09% | 1.10% | 3.11% | 7.73% | 2.71% |
| Q3 2024 | 4.10% | 1.28% | 2.96% | 7.64% | 2.71% |
| Q4 2024 | 4.18% | 1.33% | 3.00% | 7.95% | 2.68% |
| Q1 2025 | 4.10% | 1.29% | 2.93% | 7.56% | 2.77% |
| Q2 2025 | 4.19% | 1.26% | 3.08% | 7.77% | 2.84% |
| Q3 2025 | 4.29% | 1.18% | 3.24% | 7.52% | 2.93% |
| Q4 2025 | 4.27% | 1.17% | 3.24% | 7.41% | 2.94% |
| Q1 2026 | 3.89% | 1.16% | 2.86% | 6.18% | 2.91% |
| Q2 2026 | 3.92% | 1.13% | 2.92% | 6.79% | 2.70% |
Atascosa 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 Atascosa 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 Atascosa Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24064) · FFIEC NIC profile (RSSD 851060)