The Brady 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.
In Q2 2026, Yield to cost spread edged up by 0.13 percentage points, from 2.60% to 2.73%, the largest move among the key lines here. The Brady National Bank ranks 298th of 345 Texas banks on net interest margin, in the lower half at 3.21% (Q2 2026). The Brady National Bank reported 3.21% on net interest margin for Q2 2026, 0.74 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.74% |
| Yield on loans | 6.70% |
| Yield on securities | 2.39% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.62% |
| Cost of interest-bearing deposits | 2.01% |
| Cost of interest-bearing liabilities | 2.01% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.21% |
| Yield to cost spread | 2.73% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.3M |
| Total interest expense | $599K |
| Interest expense on deposits | $599K |
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 | 4.41% | 1.37% | 3.12% | 5.98% | 2.22% |
| Q4 2023 | 4.55% | 1.61% | 3.03% | 6.17% | 2.23% |
| Q1 2024 | 4.60% | 1.74% | 2.94% | 6.28% | 2.24% |
| Q2 2024 | 4.62% | 1.73% | 2.99% | 6.36% | 2.31% |
| Q3 2024 | 4.85% | 1.88% | 3.11% | 6.72% | 2.31% |
| Q4 2024 | 4.88% | 1.85% | 3.15% | 6.70% | 2.26% |
| Q1 2025 | 4.83% | 1.84% | 3.09% | 6.59% | 2.27% |
| Q2 2025 | 4.92% | 1.77% | 3.26% | 6.68% | 2.27% |
| Q3 2025 | 4.95% | 1.77% | 3.30% | 6.82% | 2.30% |
| Q4 2025 | 4.89% | 1.84% | 3.18% | 6.81% | 2.32% |
| Q1 2026 | 4.74% | 1.70% | 3.15% | 6.68% | 2.35% |
| Q2 2026 | 4.74% | 1.62% | 3.21% | 6.70% | 2.39% |
The Brady 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 Brady 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 Brady National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3109) · FFIEC NIC profile (RSSD 101952)