Capital 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 rose 0.54 percentage points from Q1 2026 to Q2 2026, ending at 3.94% against 3.40%. It was the largest change among the key lines on this page. Within Texas, Capital Bank is 38th of 345 on net interest margin, 5.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Capital Bank sits 1.19 points higher, at 5.13% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.56% |
| Yield on loans | 6.98% |
| Yield on securities | 3.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.58% |
| Cost of interest-bearing deposits | 2.52% |
| Cost of interest-bearing liabilities | 2.60% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.13% |
| Yield to cost spread | 3.96% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.2M |
| Total interest expense | $2.4M |
| Interest expense on deposits | $2.3M |
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 | 5.36% | 0.95% | 4.17% | 5.65% | 3.10% |
| Q4 2023 | 5.42% | 1.21% | 3.94% | 5.69% | 3.39% |
| Q1 2024 | 5.59% | 1.91% | 3.86% | 5.87% | 3.50% |
| Q2 2024 | 5.67% | 2.12% | 3.76% | 5.96% | 3.58% |
| Q3 2024 | 5.83% | 2.13% | 3.93% | 6.13% | 3.66% |
| Q4 2024 | 6.06% | 1.87% | 4.36% | 6.40% | 3.69% |
| Q1 2025 | 5.96% | 1.76% | 4.35% | 6.30% | 3.71% |
| Q2 2025 | 6.22% | 1.74% | 4.59% | 6.59% | 3.78% |
| Q3 2025 | 6.31% | 1.78% | 4.68% | 6.67% | 3.92% |
| Q4 2025 | 6.29% | 1.74% | 4.70% | 6.67% | 3.83% |
| Q1 2026 | 6.34% | 1.61% | 4.87% | 6.69% | 3.79% |
| Q2 2026 | 6.56% | 1.58% | 5.13% | 6.98% | 3.85% |
Capital 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 Capital 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 Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19401) · FFIEC NIC profile (RSSD 596156)