Castroville 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 largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 4.3% to $1.1M. Within Texas, Castroville State Bank is 247th of 345 on net interest margin, 3.70% 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. Castroville State Bank sits 0.25 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.74% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 3.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.9M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
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 | 5.07% | 2.24% | 3.01% |
| Q4 2023 | 4.84% | 2.28% | 2.74% |
| Q1 2024 | 4.77% | 2.13% | 2.78% |
| Q2 2024 | 4.91% | 2.39% | 2.69% |
| Q3 2024 | 5.00% | 2.41% | 2.78% |
| Q4 2024 | 4.96% | 2.23% | 2.94% |
| Q1 2025 | 4.95% | 1.88% | 3.21% |
| Q2 2025 | 5.13% | 1.99% | 3.32% |
| Q3 2025 | 5.30% | 2.13% | 3.36% |
| Q4 2025 | 5.29% | 2.02% | 3.45% |
| Q1 2026 | 5.11% | 1.73% | 3.50% |
| Q2 2026 | 5.30% | 1.74% | 3.70% |
Castroville 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 Castroville 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 Castroville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17979) · FFIEC NIC profile (RSSD 742056)