The Bank and Trust, 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.
Net interest margin rose 0.16 percentage points from Q1 2026 to Q2 2026, ending at 4.65% against 4.49%. It was the largest change among the key lines on this page. Within Texas, The Bank and Trust, SSB is 93rd of 345 on net interest margin, 4.65% as of Q2 2026, above the middle of the field. The Bank and Trust, SSB reported 4.65% on net interest margin for Q2 2026, 0.70 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.48% |
| Yield on loans | 6.37% |
| Yield on securities | 3.05% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.84% |
| Cost of interest-bearing deposits | 1.33% |
| Cost of interest-bearing liabilities | 1.33% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.65% |
| Yield to cost spread | 4.15% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.3M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 4.52% | 0.56% | 3.93% | 5.52% | 2.66% |
| Q4 2023 | 4.86% | 0.73% | 4.12% | 5.78% | 2.74% |
| Q1 2024 | 4.84% | 0.81% | 4.02% | 5.81% | 2.76% |
| Q2 2024 | 5.07% | 0.83% | 4.23% | 6.00% | 2.78% |
| Q3 2024 | 5.11% | 0.93% | 4.18% | 6.09% | 2.79% |
| Q4 2024 | 5.21% | 0.99% | 4.25% | 6.16% | 2.88% |
| Q1 2025 | 5.13% | 0.93% | 4.21% | 6.12% | 2.82% |
| Q2 2025 | 5.27% | 0.90% | 4.36% | 6.24% | 2.86% |
| Q3 2025 | 5.31% | 0.93% | 4.37% | 6.28% | 2.97% |
| Q4 2025 | 5.36% | 0.93% | 4.42% | 6.39% | 3.12% |
| Q1 2026 | 5.35% | 0.86% | 4.49% | 6.31% | 3.09% |
| Q2 2026 | 5.48% | 0.84% | 4.65% | 6.37% | 3.05% |
The Bank and Trust, 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 The Bank and Trust, 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 The Bank and Trust, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1184) · FFIEC NIC profile (RSSD 623454)