The Big Bend Banks, N.A. dba Marfa National 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.
Compared with Q2 2026, Net interest margin fell 0.31 percentage points in Q3 2026 to 4.06%, the biggest move on this page. The Big Bend Banks, N.A. dba Marfa National Bank ranks 187th of 345 Texas banks on net interest margin, in the lower half at 4.06% (Q3 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin; The Big Bend Banks, N.A. dba Marfa National Bank reported 4.06% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Asset yields
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 4.28% |
| Yield on loans | 8.66% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.25% |
| Cost of interest-bearing deposits | 0.47% |
| Cost of interest-bearing liabilities | 0.47% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 4.06% |
| Yield to cost spread | 3.81% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $451K |
| Total interest expense | $86K |
| Interest expense on deposits | $86K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 3.90% | 0.17% | 3.74% | 7.63% | 3.12% |
| Q1 2024 | 4.11% | 0.22% | 3.90% | 7.99% | 3.26% |
| Q2 2024 | 4.36% | 0.25% | 4.13% | 8.88% | 3.46% |
| Q3 2024 | 4.48% | 0.32% | 4.18% | 8.56% | 3.40% |
| Q4 2024 | 4.35% | 0.37% | 4.00% | 8.56% | 3.34% |
| Q1 2025 | 4.17% | 0.34% | 3.85% | 8.16% | 3.42% |
| Q2 2025 | 4.25% | 0.34% | 3.94% | 8.58% | 3.48% |
| Q3 2025 | 4.47% | 0.34% | 4.15% | 8.76% | 3.53% |
| Q4 2025 | 4.54% | 0.31% | 4.24% | 8.67% | 3.53% |
| Q1 2026 | 4.38% | 0.25% | 4.14% | 8.44% | 3.56% |
| Q2 2026 | 4.59% | 0.23% | 4.37% | 8.54% | 3.76% |
| Q3 2026 | 4.28% | 0.25% | 4.06% | 8.66% | 3.52% |
The Big Bend Banks, N.A. dba Marfa National 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 The Big Bend Banks, N.A. dba Marfa National 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 The Big Bend Banks, N.A. dba Marfa National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3320) · FFIEC NIC profile (RSSD 362856)