Brazos 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.
Net interest margin dropped 0.71 percentage points in Q2 2026, from 7.29% to 6.58%. It was the largest change from Q1 2026 among the key lines here. Among 345 Texas banks, Brazos National Bank sits 6th from the top on net interest margin, 6.58% as of Q2 2026. Brazos National Bank's net interest margin of 6.58% is well above the 3.89% median for banks in the < $100M asset tier, a gap of 2.69 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.63% |
| Yield on loans | 7.56% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.10% |
| Cost of interest-bearing deposits | 0.45% |
| Cost of interest-bearing liabilities | 0.23% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 6.58% |
| Yield to cost spread | 6.40% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $341K |
| Total interest expense | $3K |
| Interest expense on deposits | $3K |
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 |
|---|---|---|---|---|
| Q3 2023 | 7.38% | 0.08% | 7.33% | 7.88% |
| Q4 2023 | 7.63% | 0.08% | 7.58% | 8.29% |
| Q1 2024 | 7.85% | 0.11% | 7.78% | 8.32% |
| Q2 2024 | 7.36% | 0.06% | 7.33% | 8.11% |
| Q3 2024 | 7.49% | 0.06% | 7.46% | 8.09% |
| Q4 2024 | 7.55% | 0.03% | 7.53% | 8.23% |
| Q1 2025 | 7.61% | 0.07% | 7.58% | 8.28% |
| Q2 2025 | 7.40% | 0.10% | 7.36% | 7.95% |
| Q3 2025 | 7.44% | 0.03% | 7.42% | 8.25% |
| Q4 2025 | 7.62% | 0.11% | 7.58% | 8.29% |
| Q1 2026 | 7.30% | 0.04% | 7.29% | 8.06% |
| Q2 2026 | 6.63% | 0.10% | 6.58% | 7.56% |
Brazos 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 Brazos 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 Brazos National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24038) · FFIEC NIC profile (RSSD 863362)