Central 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 Net interest margin, which rose 0.22 percentage points to 4.85%. Within Texas, Central Bank is 61st of 345 on net interest margin, 4.85% as of Q2 2026. Central Bank reported 4.85% on net interest margin for Q2 2026, 1.14 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.66% |
| Yield on loans | 7.40% |
| Yield on securities | 3.52% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.73% |
| Cost of interest-bearing deposits | 2.84% |
| Cost of interest-bearing liabilities | 2.84% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.85% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.6M |
| Total interest expense | $5.9M |
| Interest expense on deposits | $5.9M |
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 | 6.95% | 0.94% | 5.90% | 7.88% | 2.59% |
| Q4 2023 | 6.89% | 1.16% | 5.62% | 7.78% | 2.60% |
| Q1 2024 | 6.75% | 1.35% | 5.29% | 7.60% | 2.57% |
| Q2 2024 | 6.86% | 1.62% | 5.11% | 7.71% | 2.71% |
| Q3 2024 | 7.14% | 1.79% | 5.20% | 8.08% | 2.82% |
| Q4 2024 | 7.07% | 1.69% | 5.25% | 7.93% | 2.77% |
| Q1 2025 | 6.69% | 1.56% | 5.01% | 7.38% | 3.08% |
| Q2 2025 | 6.80% | 1.61% | 5.07% | 7.62% | 3.02% |
| Q3 2025 | 7.07% | 1.73% | 5.22% | 7.90% | 3.14% |
| Q4 2025 | 6.75% | 1.74% | 4.92% | 7.56% | 3.29% |
| Q1 2026 | 6.42% | 1.72% | 4.63% | 7.22% | 3.29% |
| Q2 2026 | 6.66% | 1.73% | 4.85% | 7.40% | 3.52% |
Central 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 Central 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 Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17612) · FFIEC NIC profile (RSSD 31255)