Bank19: 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.
Yield on securities climbed 5.14 percentage points in Q2 2026, from 6.38% to 11.52%. It was the largest change from Q1 2026 among the key lines here. Bank19 ranks 70th of 345 Texas banks on net interest margin, in the upper half at 4.79% (Q2 2026). Bank19 reported 4.79% on net interest margin for Q2 2026, 0.84 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.79% |
| Yield on loans | 7.42% |
| Yield on securities | 11.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.79% |
| Yield to cost spread | 2.85% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.5M |
| Total interest expense | $357K |
| Interest expense on deposits | $357K |
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 | 6.02% | 2.18% | 4.08% | 7.03% | 4.53% |
| Q4 2023 | 6.36% | 2.48% | 4.13% | 7.00% | 4.59% |
| Q1 2024 | 6.39% | 2.39% | 4.25% | 7.41% | 4.77% |
| Q2 2024 | 6.84% | 2.83% | 4.33% | 7.68% | 4.93% |
| Q3 2024 | 7.11% | 3.08% | 4.46% | 7.95% | 4.90% |
| Q4 2024 | 6.96% | 2.85% | 4.43% | 7.84% | 4.71% |
| Q1 2025 | 7.24% | 2.67% | 4.83% | 8.88% | 4.28% |
| Q2 2025 | 1.35% | -1.99% | 0.86% | 1.62% | 0.85% |
| Q3 2025 | 5.56% | 1.76% | 4.26% | 7.80% | 3.73% |
| Q4 2025 | 5.51% | 0.91% | 4.26% | 8.17% | 8.68% |
| Q1 2026 | 5.43% | 1.25% | 4.33% | 7.43% | 11.72% |
| Q2 2026 | 5.79% | 1.18% | 4.79% | 7.42% | 11.53% |
Bank19 yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank19, 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 Bank19 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3335) · FFIEC NIC profile (RSSD 373553)