The Bank of San Jacinto County, Coldspring, Texas: 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.
Compared with Q1 2026, Net interest margin rose 0.22 percentage points in Q2 2026 to 4.80%, the biggest move on this page. The Bank of San Jacinto County, Coldspring, Texas ranks 68th of 345 Texas banks on net interest margin, in the upper half at 4.80% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. The Bank of San Jacinto County, Coldspring, Texas sits 0.91 points higher, at 4.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.93% |
| Yield on loans | 8.12% |
| Yield on securities | 3.19% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.13% |
| Cost of interest-bearing deposits | 0.49% |
| Cost of interest-bearing liabilities | 0.49% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.44% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $254K |
| Total interest expense | $14K |
| Interest expense on deposits | $14K |
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 | 5.06% | 0.12% | 4.94% | 8.19% | 3.12% |
| Q4 2023 | 5.23% | 0.17% | 5.04% | 7.92% | 3.26% |
| Q1 2024 | 5.29% | 0.17% | 5.11% | 8.56% | 3.30% |
| Q2 2024 | 5.12% | 0.22% | 4.89% | 8.18% | 3.31% |
| Q3 2024 | 5.34% | 0.22% | 5.11% | 7.98% | 3.44% |
| Q4 2024 | 5.40% | -0.03% | 5.43% | 8.77% | 3.36% |
| Q1 2025 | 4.83% | 0.16% | 4.67% | 7.94% | 3.36% |
| Q2 2025 | 5.30% | 0.17% | 5.13% | 8.72% | 3.34% |
| Q3 2025 | 5.15% | 0.16% | 4.99% | 8.26% | 3.42% |
| Q4 2025 | 5.18% | 0.17% | 5.01% | 8.54% | 3.24% |
| Q1 2026 | 4.71% | 0.12% | 4.58% | 8.08% | 3.21% |
| Q2 2026 | 4.93% | 0.13% | 4.80% | 8.12% | 3.19% |
The Bank of San Jacinto County, Coldspring, Texas 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 San Jacinto County, Coldspring, Texas, 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 San Jacinto County, Coldspring, Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18942) · FFIEC NIC profile (RSSD 678052)