Boc 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 standout move of Q2 2026 was in Total interest expense: 27.9% lower than in Q1 2026, at $1.1M. Within Texas, Boc Bank is 134th of 345 on net interest margin, 4.31% as of Q2 2026. Boc Bank reported 4.31% on net interest margin for Q2 2026, 0.37 points above the 3.94% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.32% |
| Yield on loans | 7.40% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.26% |
| Cost of interest-bearing deposits | 3.07% |
| Cost of interest-bearing liabilities | 3.07% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.7M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 6.19% | 4.00% | 2.54% | 8.53% | 3.73% |
| Q4 2023 | 6.80% | 4.18% | 2.94% | 8.73% | 4.25% |
| Q1 2024 | 6.48% | 4.43% | 2.76% | 8.13% | 4.21% |
| Q2 2024 | 6.52% | 3.72% | 3.26% | 7.53% | 4.34% |
| Q3 2024 | 6.96% | 3.65% | 3.64% | 8.85% | 3.99% |
| Q4 2024 | 7.57% | 3.37% | 4.54% | 8.79% | 4.96% |
| Q1 2025 | 6.46% | 2.98% | 3.78% | 7.64% | 3.99% |
| Q2 2025 | 6.70% | 3.17% | 4.03% | 7.68% | 4.16% |
| Q3 2025 | 6.84% | 2.80% | 4.37% | 7.83% | 4.00% |
| Q4 2025 | 6.26% | 2.65% | 3.89% | 7.66% | 3.85% |
| Q1 2026 | 5.84% | 2.58% | 3.49% | 7.28% | 3.59% |
| Q2 2026 | 6.32% | 2.26% | 4.31% | 7.40% | 3.70% |
Boc 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 Boc 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 Boc Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25328) · FFIEC NIC profile (RSSD 352651)