Avana 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.
Yield on loans fell 0.25 percentage points from Q1 2026 to Q2 2026, ending at 7.30% against 7.55%. It was the largest change among the key lines on this page. On net interest margin, Avana Bank ranks 28th highest among the 345 banks headquartered in Texas, at 5.24% (Q2 2026). Avana Bank reported 5.24% on net interest margin for Q2 2026, 1.37 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.30% |
| Yield on securities | 4.72% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.06% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.24% |
| Yield to cost spread | 4.31% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $265K |
| Total interest expense | $81K |
| Interest expense on deposits | $81K |
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 | 5.90% | 0.34% | 5.61% | 6.97% | 2.32% |
| Q4 2023 | 6.84% | 0.77% | 6.08% | 6.97% | 5.52% |
| Q1 2024 | 5.95% | 0.92% | 5.16% | 7.06% | 4.54% |
| Q2 2024 | 6.02% | 1.11% | 5.06% | 7.20% | 5.56% |
| Q3 2024 | 5.52% | 1.20% | 4.47% | 5.91% | 5.19% |
| Q4 2024 | 5.42% | 1.86% | 3.81% | 7.03% | 4.81% |
| Q1 2025 | 5.18% | 1.48% | 3.91% | 6.62% | 4.56% |
| Q2 2025 | 6.18% | 1.42% | 4.65% | 6.90% | 4.54% |
| Q3 2025 | 5.71% | 1.36% | 4.43% | 7.46% | 4.94% |
| Q4 2025 | 5.17% | 1.20% | 4.07% | 7.03% | 4.72% |
| Q1 2026 | 6.19% | 1.10% | 5.13% | 7.55% | 4.75% |
| Q2 2026 | 6.32% | 1.06% | 5.24% | 7.30% | 4.72% |
Avana 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 Avana 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 Avana Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10704) · FFIEC NIC profile (RSSD 498456)