Benchmark Bank: 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 0.06 percentage points between Q1 2026 and Q2 2026, to 4.13%. Within Texas, Benchmark Bank is 173rd of 345 on net interest margin, 4.13% as of Q2 2026. Benchmark Bank reported 4.13% on net interest margin for Q2 2026, 0.42 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.63% |
| Yield on loans | 6.60% |
| Yield on securities | 5.11% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.57% |
| Cost of interest-bearing deposits | 2.55% |
| Cost of interest-bearing liabilities | 2.55% |
| Cost of borrowings | 7.27% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $16.3M |
| Total interest expense | $5.8M |
| Interest expense on deposits | $5.8M |
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 | 6.14% | 1.66% | 4.60% | 6.49% | 5.15% |
| Q4 2023 | 6.33% | 1.87% | 4.58% | 6.75% | 5.12% |
| Q1 2024 | 6.38% | 1.99% | 4.47% | 6.74% | 5.09% |
| Q2 2024 | 6.52% | 2.15% | 4.50% | 6.91% | 5.02% |
| Q3 2024 | 6.61% | 2.31% | 4.44% | 7.02% | 5.06% |
| Q4 2024 | 6.35% | 2.35% | 4.16% | 6.94% | 4.92% |
| Q1 2025 | 6.12% | 2.10% | 4.12% | 6.72% | 5.08% |
| Q2 2025 | 6.40% | 2.13% | 4.37% | 6.96% | 5.08% |
| Q3 2025 | 6.31% | 2.10% | 4.24% | 6.89% | 5.04% |
| Q4 2025 | 5.94% | 1.86% | 4.15% | 6.83% | 4.59% |
| Q1 2026 | 5.61% | 1.59% | 4.07% | 6.50% | 5.06% |
| Q2 2026 | 5.63% | 1.57% | 4.13% | 6.60% | 5.11% |
Benchmark Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Benchmark Bank, 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 Benchmark Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19215) · FFIEC NIC profile (RSSD 980960)