The Brenham 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.
Cost of borrowings climbed 4.71 percentage points in Q2 2026, from 0.00% to 4.71%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The Brenham National Bank is 173rd of 345 on net interest margin, 4.13% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Brenham National Bank sits 0.18 points higher, at 4.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.86% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.62% |
| Cost of interest-bearing deposits | 1.10% |
| Cost of interest-bearing liabilities | 1.10% |
| Cost of borrowings | 4.71% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.13% |
| Yield to cost spread | 3.76% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $881K |
| Interest expense on deposits | $880K |
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 |
|---|---|---|---|
| Q3 2023 | 3.96% | 0.86% | 2.97% |
| Q4 2023 | 4.11% | 0.94% | 3.01% |
| Q1 2024 | 4.11% | 0.98% | 2.97% |
| Q2 2024 | 4.30% | 0.94% | 3.19% |
| Q3 2024 | 4.42% | 0.88% | 3.38% |
| Q4 2024 | 4.52% | 0.71% | 3.68% |
| Q1 2025 | 4.57% | 0.61% | 3.85% |
| Q2 2025 | 4.65% | 0.63% | 3.91% |
| Q3 2025 | 4.75% | 0.72% | 3.91% |
| Q4 2025 | 4.73% | 0.75% | 3.87% |
| Q1 2026 | 4.70% | 0.66% | 3.92% |
| Q2 2026 | 4.86% | 0.62% | 4.13% |
The Brenham 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 Brenham 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 Brenham National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3113) · FFIEC NIC profile (RSSD 227357)