Central 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.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.07 percentage points between Q1 2026 and Q2 2026, to 3.91%. Central National Bank ranks 210th of 345 Texas banks on net interest margin, in the lower half at 3.91% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Central National Bank sits 0.20 points higher, at 3.91% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.88% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.17% |
| Cost of interest-bearing deposits | 2.53% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 1.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.91% |
| Yield to cost spread | 3.36% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.1M |
| Total interest expense | $7.0M |
| Interest expense on deposits | $7.0M |
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 | 5.25% | 2.06% | 3.38% |
| Q4 2023 | 5.46% | 2.28% | 3.41% |
| Q1 2024 | 5.59% | 2.46% | 3.38% |
| Q2 2024 | 5.74% | 2.50% | 3.49% |
| Q3 2024 | 5.87% | 2.60% | 3.50% |
| Q4 2024 | 5.88% | 2.45% | 3.67% |
| Q1 2025 | 5.83% | 2.26% | 3.79% |
| Q2 2025 | 5.97% | 2.31% | 3.90% |
| Q3 2025 | 6.04% | 2.36% | 3.93% |
| Q4 2025 | 5.97% | 2.24% | 3.95% |
| Q1 2026 | 5.81% | 2.17% | 3.84% |
| Q2 2026 | 5.88% | 2.17% | 3.91% |
Central 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 Central 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22396) · FFIEC NIC profile (RSSD 428060)