Bank of South 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.37 percentage points to 7.07%. On net interest margin, Bank of South Texas ranks 4th highest among the 345 banks headquartered in Texas, at 7.07% (Q2 2026). Bank of South Texas's net interest margin of 7.07% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 3.12 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.81% |
| Yield on loans | 9.96% |
| Yield on securities | 4.61% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.88% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.07% |
| Yield to cost spread | 5.93% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.1M |
| Total interest expense | $670K |
| Interest expense on deposits | $670K |
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 | 8.81% | 1.67% | 7.24% | 10.13% | 3.22% |
| Q4 2023 | 8.95% | 1.94% | 7.13% | 10.29% | 4.27% |
| Q1 2024 | 8.78% | 2.12% | 6.81% | 10.11% | 4.35% |
| Q2 2024 | 8.57% | 2.23% | 6.52% | 9.81% | 4.39% |
| Q3 2024 | 9.10% | 2.21% | 7.08% | 10.75% | 4.42% |
| Q4 2024 | 8.58% | 2.18% | 6.60% | 10.35% | 4.41% |
| Q1 2025 | 8.73% | 1.98% | 6.94% | 10.33% | 4.44% |
| Q2 2025 | 9.26% | 1.86% | 7.58% | 10.73% | 4.46% |
| Q3 2025 | 9.35% | 1.80% | 7.73% | 10.79% | 4.50% |
| Q4 2025 | 8.87% | 1.84% | 7.20% | 10.22% | 4.99% |
| Q1 2026 | 8.45% | 1.92% | 6.70% | 9.74% | 4.48% |
| Q2 2026 | 8.81% | 1.94% | 7.07% | 9.96% | 4.61% |
Bank of South 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 Bank of South 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 Bank of South Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26727) · FFIEC NIC profile (RSSD 49858)