Austin Capital Bank SSB: 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 standout move of Q2 2026 was in Yield on securities: 6.48 percentage points lower than in Q1 2026, at 8.17%. On net interest margin, Austin Capital Bank SSB ranks 5th highest among the 345 banks headquartered in Texas, at 6.73% (Q2 2026). Against a median of 3.95% for banks in the $100M-1B asset tier, Austin Capital Bank SSB reported 6.73% on net interest margin in Q2 2026, 2.78 points higher.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.63% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.98% |
| Cost of interest-bearing deposits | 0.62% |
| Cost of interest-bearing liabilities | 1.02% |
| Cost of borrowings | 3.93% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.73% |
| Yield to cost spread | 6.61% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $888K |
| Interest expense on deposits | $480K |
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 |
|---|---|---|---|
| Q3 2023 | 7.89% | 0.51% | 7.42% |
| Q4 2023 | 7.83% | 0.73% | 7.15% |
| Q1 2024 | 8.02% | 0.84% | 7.22% |
| Q2 2024 | 8.40% | 1.07% | 7.40% |
| Q3 2024 | 8.30% | 1.32% | 7.06% |
| Q4 2024 | 7.94% | 1.56% | 6.47% |
| Q1 2025 | 8.09% | 1.59% | 6.59% |
| Q2 2025 | 7.95% | 1.35% | 6.67% |
| Q3 2025 | 7.70% | 1.07% | 6.69% |
| Q4 2025 | 7.67% | 1.03% | 6.71% |
| Q1 2026 | 7.61% | 0.92% | 6.75% |
| Q2 2026 | 7.63% | 0.98% | 6.73% |
Austin Capital Bank SSB 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 Capital Bank SSB, 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 Capital Bank SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58082) · FFIEC NIC profile (RSSD 3347911)