Bank of Desoto, N.A.: 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, Yield on loans edged up by 0.08 percentage points, from 8.93% to 9.01%, the largest move among the key lines here. Bank of Desoto, N.A. ranks 58th of 345 Texas banks on net interest margin, in the upper half at 4.88% (Q2 2026). Bank of Desoto, N.A. reported 4.88% on net interest margin for Q2 2026, 0.93 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.90% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.21% |
| Cost of interest-bearing deposits | 3.12% |
| Cost of interest-bearing liabilities | 3.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.88% |
| Yield to cost spread | 3.78% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.4M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 7.84% | 1.95% | 5.98% |
| Q4 2023 | 7.99% | 2.24% | 5.88% |
| Q1 2024 | 8.03% | 2.48% | 5.70% |
| Q2 2024 | 7.95% | 2.58% | 5.57% |
| Q3 2024 | 8.12% | 2.75% | 5.54% |
| Q4 2024 | 7.77% | 2.95% | 4.97% |
| Q1 2025 | 7.26% | 2.51% | 4.92% |
| Q2 2025 | 7.19% | 2.48% | 4.88% |
| Q3 2025 | 7.28% | 2.48% | 4.98% |
| Q4 2025 | 7.22% | 2.34% | 4.97% |
| Q1 2026 | 6.93% | 2.21% | 4.85% |
| Q2 2026 | 6.90% | 2.21% | 4.88% |
Bank of Desoto, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Desoto, N.A., 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 Bank of Desoto, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26542) · FFIEC NIC profile (RSSD 638355)