Austin County State 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.
Cost of borrowings climbed 0.88 percentage points in Q2 2026, from 1.73% to 2.60%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Austin County State Bank is 39th of 345 on net interest margin, 5.11% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Austin County State Bank sits 1.16 points higher, at 5.11% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.70% |
| Yield on loans | 7.45% |
| Yield on securities | 4.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.71% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.20% |
| Cost of borrowings | 2.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.11% |
| Yield to cost spread | 4.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.0M |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
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 | 6.17% | 1.85% | 4.47% | 6.61% | 2.64% |
| Q4 2023 | 6.36% | 1.99% | 4.55% | 6.82% | 2.70% |
| Q1 2024 | 6.53% | 2.17% | 4.52% | 7.05% | 3.06% |
| Q2 2024 | 6.73% | 2.25% | 4.72% | 7.16% | 3.64% |
| Q3 2024 | 7.14% | 2.14% | 5.11% | 7.55% | 3.68% |
| Q4 2024 | 7.06% | 2.17% | 5.07% | 7.56% | 3.72% |
| Q1 2025 | 6.79% | 2.00% | 4.95% | 7.28% | 3.67% |
| Q2 2025 | 6.97% | 2.00% | 5.13% | 7.52% | 4.05% |
| Q3 2025 | 7.00% | 1.99% | 5.18% | 7.49% | 4.25% |
| Q4 2025 | 7.16% | 1.94% | 5.35% | 7.63% | 4.35% |
| Q1 2026 | 6.65% | 1.79% | 4.99% | 7.32% | 4.42% |
| Q2 2026 | 6.70% | 1.71% | 5.11% | 7.45% | 4.49% |
Austin County State 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 Austin County State 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 Austin County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58484) · FFIEC NIC profile (RSSD 3463875)