Austin Bank, Texas N.A.: 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, Net interest margin rose 0.27 percentage points in Q2 2026 to 5.34%, the biggest move on this page. Among 345 Texas banks, Austin Bank, Texas N.A. sits 24th from the top on net interest margin, 5.34% as of Q2 2026. Austin Bank, Texas N.A. reported 5.34% on net interest margin for Q2 2026, 1.63 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.53% |
| Yield on loans | 7.37% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.36% |
| Cost of interest-bearing deposits | 2.13% |
| Cost of interest-bearing liabilities | 2.13% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.34% |
| Yield to cost spread | 4.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $45.9M |
| Total interest expense | $9.3M |
| Interest expense on deposits | $9.3M |
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 | 5.16% | 1.18% | 4.08% | 5.96% | 1.53% |
| Q4 2023 | 5.48% | 1.34% | 4.28% | 6.16% | 1.45% |
| Q1 2024 | 5.58% | 1.47% | 4.25% | 6.22% | 1.49% |
| Q2 2024 | 5.76% | 1.55% | 4.38% | 6.39% | 1.61% |
| Q3 2024 | 6.00% | 1.66% | 4.51% | 6.63% | 1.43% |
| Q4 2024 | 6.11% | 1.67% | 4.63% | 6.75% | 1.88% |
| Q1 2025 | 6.05% | 1.60% | 4.62% | 6.65% | 2.09% |
| Q2 2025 | 6.31% | 1.58% | 4.91% | 6.93% | 2.54% |
| Q3 2025 | 6.42% | 1.60% | 5.00% | 7.05% | 2.53% |
| Q4 2025 | 6.43% | 1.55% | 5.06% | 7.13% | 2.89% |
| Q1 2026 | 6.30% | 1.40% | 5.07% | 7.01% | 2.98% |
| Q2 2026 | 6.53% | 1.36% | 5.34% | 7.37% | 3.19% |
Austin Bank, Texas N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Austin Bank, Texas N.A., 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 Austin Bank, Texas N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3276) · FFIEC NIC profile (RSSD 548351)