Charter 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.
In Q2 2026, Cost of funds edged down by 0.10 percentage points, from 1.43% to 1.34%, the largest move among the key lines here. On net interest margin, Charter Bank ranks 18th highest among the 345 banks headquartered in Texas, at 5.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Charter Bank sits 1.57 points higher, at 5.52% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.73% |
| Yield on loans | 9.00% |
| Yield on securities | 3.60% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.34% |
| Cost of interest-bearing deposits | 2.44% |
| Cost of interest-bearing liabilities | 2.48% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.52% |
| Yield to cost spread | 4.25% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.9M |
| Total interest expense | $899K |
| Interest expense on deposits | $883K |
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 | 6.86% | 1.40% | 5.60% | 9.12% | 3.64% |
| Q4 2023 | 7.01% | 1.61% | 5.57% | 9.24% | 3.44% |
| Q1 2024 | 7.05% | 1.69% | 5.49% | 9.38% | 3.40% |
| Q2 2024 | 7.09% | 1.76% | 5.49% | 9.36% | 3.41% |
| Q3 2024 | 7.24% | 1.78% | 5.63% | 9.61% | 3.44% |
| Q4 2024 | 7.18% | 1.67% | 5.69% | 9.48% | 3.42% |
| Q1 2025 | 6.96% | 1.68% | 5.43% | 9.16% | 3.40% |
| Q2 2025 | 6.98% | 1.63% | 5.50% | 9.27% | 3.40% |
| Q3 2025 | 6.96% | 1.68% | 5.41% | 9.43% | 3.39% |
| Q4 2025 | 6.83% | 1.42% | 5.57% | 9.16% | 3.49% |
| Q1 2026 | 6.82% | 1.43% | 5.55% | 9.05% | 3.53% |
| Q2 2026 | 6.73% | 1.34% | 5.52% | 9.00% | 3.60% |
Charter 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 Charter 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 Charter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18660) · FFIEC NIC profile (RSSD 814458)