Carmine State 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 Yield on loans: 1.15 percentage points higher than in Q1 2026, at 7.44%. On net interest margin, Carmine State Bank is 16th from the bottom among 345 Texas banks, 2.60% (Q2 2026). Carmine State Bank reported 2.60% on net interest margin for Q2 2026, 1.35 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | 7.44% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.33% |
| Cost of interest-bearing deposits | 3.05% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.60% |
| Yield to cost spread | 1.67% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $727K |
| Total interest expense | $805K |
| Interest expense on deposits | $805K |
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 | 4.49% | 1.75% | 2.88% | 5.92% | 3.36% |
| Q4 2023 | 4.46% | 2.28% | 2.39% | 6.15% | 3.36% |
| Q1 2024 | 4.54% | 2.44% | 2.31% | 6.26% | 3.35% |
| Q2 2024 | 4.69% | 2.58% | 2.33% | 6.43% | 3.33% |
| Q3 2024 | 4.76% | 2.65% | 2.33% | 6.70% | 3.33% |
| Q4 2024 | 4.62% | 2.60% | 2.28% | 6.74% | 2.99% |
| Q1 2025 | 4.64% | 2.54% | 2.34% | 6.67% | 3.39% |
| Q2 2025 | 4.71% | 2.44% | 2.51% | 6.81% | 3.48% |
| Q3 2025 | 4.67% | 2.36% | 2.49% | 6.93% | 3.55% |
| Q4 2025 | 4.61% | 2.33% | 2.54% | 6.94% | 3.59% |
| Q1 2026 | 4.39% | 2.29% | 2.34% | 6.29% | 3.61% |
| Q2 2026 | 4.72% | 2.33% | 2.60% | 7.44% | 3.60% |
Carmine State 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 Carmine State 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 Carmine State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19278) · FFIEC NIC profile (RSSD 732954)