Bandera 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 4.78% to 4.90%, the largest move among the key lines here. Within Texas, Bandera Bank is 56th of 345 on net interest margin, 4.90% as of Q2 2026. Bandera Bank reported 4.90% on net interest margin for Q2 2026, 1.03 points above the 3.88% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.56% |
| Yield on loans | 7.40% |
| Yield on securities | 3.17% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.72% |
| Cost of interest-bearing deposits | 1.29% |
| Cost of interest-bearing liabilities | 1.29% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.90% |
| Yield to cost spread | 4.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $877K |
| Total interest expense | $147K |
| Interest expense on deposits | $147K |
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 | 4.92% | 0.44% | 4.52% | 6.10% | 2.04% |
| Q4 2023 | 5.03% | 0.56% | 4.52% | 6.32% | 1.94% |
| Q1 2024 | 5.13% | 0.71% | 4.47% | 6.51% | 2.03% |
| Q2 2024 | 5.51% | 0.78% | 4.79% | 6.78% | 2.33% |
| Q3 2024 | 5.63% | 0.79% | 4.90% | 7.02% | 2.49% |
| Q4 2024 | 5.62% | 0.83% | 4.87% | 7.14% | 2.61% |
| Q1 2025 | 5.45% | 0.82% | 4.70% | 6.97% | 2.79% |
| Q2 2025 | 5.60% | 0.83% | 4.86% | 7.13% | 2.89% |
| Q3 2025 | 5.65% | 0.81% | 4.91% | 7.21% | 3.01% |
| Q4 2025 | 5.63% | 0.82% | 4.89% | 7.30% | 3.00% |
| Q1 2026 | 5.45% | 0.75% | 4.78% | 7.31% | 3.02% |
| Q2 2026 | 5.56% | 0.72% | 4.90% | 7.40% | 3.17% |
Bandera 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 Bandera 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 Bandera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26653) · FFIEC NIC profile (RSSD 78157)