The Bank of Houston: 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 5.50%. Among 192 Missouri banks, The Bank of Houston sits 9th from the top on net interest margin, 5.50% as of Q2 2026. The Bank of Houston reported 5.50% on net interest margin for Q2 2026, 1.61 points above the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.44% |
| Yield on loans | 8.18% |
| Yield on securities | 2.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.46% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.62% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.50% |
| Yield to cost spread | 4.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.1M |
| Total interest expense | $310K |
| Interest expense on deposits | $256K |
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 | 7.77% | 2.24% | 6.07% | 8.55% | 2.05% |
| Q4 2023 | 7.88% | 2.94% | 5.76% | 8.66% | 1.96% |
| Q1 2024 | 7.74% | 3.14% | 5.46% | 8.60% | 2.06% |
| Q2 2024 | 7.84% | 3.34% | 5.39% | 8.64% | 2.07% |
| Q3 2024 | 7.95% | 3.42% | 5.40% | 8.87% | 1.98% |
| Q4 2024 | 7.49% | 3.24% | 5.11% | 8.44% | 2.87% |
| Q1 2025 | 7.67% | 2.67% | 5.61% | 8.51% | 2.90% |
| Q2 2025 | 7.25% | 2.68% | 5.19% | 8.07% | 2.86% |
| Q3 2025 | 7.31% | 2.82% | 5.15% | 8.15% | 2.87% |
| Q4 2025 | 7.38% | 2.49% | 5.37% | 8.26% | 2.92% |
| Q1 2026 | 7.34% | 2.36% | 5.42% | 8.15% | 2.79% |
| Q2 2026 | 7.44% | 2.46% | 5.50% | 8.18% | 2.90% |
The Bank of Houston 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 of Houston, 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 of Houston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13960) · FFIEC NIC profile (RSSD 848453)