Bank of 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 standout move of Q2 2026 was in Net interest margin: 0.42 percentage points lower than in Q1 2026, at 3.42%. Bank of Texas ranks 272nd of 345 Texas banks on net interest margin, in the lower half at 3.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Bank of Texas sits 0.53 points lower, at 3.42% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.53% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.78% |
| Cost of interest-bearing deposits | 3.71% |
| Cost of interest-bearing liabilities | 3.55% |
| Cost of borrowings | 1.68% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.27% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.5M |
| Total interest expense | $3.2M |
| Interest expense on deposits | $3.1M |
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 | 7.09% | 2.14% | 5.29% | 7.52% | 2.85% |
| Q4 2023 | 7.16% | 2.41% | 5.04% | 7.52% | 3.33% |
| Q1 2024 | 7.35% | 2.63% | 5.11% | 7.42% | 2.41% |
| Q2 2024 | 7.15% | 2.74% | 4.71% | 7.46% | 3.77% |
| Q3 2024 | 7.09% | 2.83% | 4.64% | 7.48% | 5.38% |
| Q4 2024 | 6.90% | 2.63% | 4.48% | 7.22% | 5.15% |
| Q1 2025 | 6.43% | 2.71% | 3.99% | 6.83% | 4.98% |
| Q2 2025 | 6.37% | 2.66% | 4.04% | 6.87% | 4.41% |
| Q3 2025 | 6.94% | 2.84% | 4.43% | 7.66% | 4.19% |
| Q4 2025 | 6.13% | 2.81% | 3.66% | 6.81% | 3.90% |
| Q1 2026 | 6.23% | 2.70% | 3.84% | 6.90% | 3.60% |
| Q2 2026 | 5.82% | 2.78% | 3.42% | 6.53% | 3.64% |
Bank of 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 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 Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18576) · FFIEC NIC profile (RSSD 925653)