City 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.
Cost of borrowings climbed 4.07 percentage points in Q2 2026, from 0.00% to 4.07%. It was the largest change from Q1 2026 among the key lines here. Within Texas, City Bank is 192nd of 345 on net interest margin, 4.04% as of Q2 2026, below the middle of the field. City Bank reported 4.04% on net interest margin for Q2 2026, 0.33 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.91% |
| Yield on loans | 7.43% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.04% |
| Cost of interest-bearing deposits | 2.93% |
| Cost of interest-bearing liabilities | 2.93% |
| Cost of borrowings | 4.07% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.04% |
| Yield to cost spread | 2.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $64.1M |
| Total interest expense | $23.8M |
| Interest expense on deposits | $23.7M |
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 | 5.58% | 1.66% | 3.71% | 6.15% | 3.46% |
| Q4 2023 | 5.73% | 1.82% | 3.71% | 6.34% | 3.58% |
| Q1 2024 | 5.83% | 1.94% | 3.68% | 6.46% | 3.60% |
| Q2 2024 | 5.92% | 1.96% | 3.76% | 6.59% | 3.53% |
| Q3 2024 | 6.02% | 2.02% | 3.81% | 6.69% | 3.58% |
| Q4 2024 | 5.96% | 1.87% | 3.91% | 6.70% | 3.44% |
| Q1 2025 | 5.81% | 1.92% | 3.89% | 6.56% | 3.30% |
| Q2 2025 | 6.09% | 2.08% | 4.18% | 6.95% | 3.33% |
| Q3 2025 | 6.09% | 2.06% | 4.21% | 6.98% | 3.36% |
| Q4 2025 | 5.92% | 1.99% | 4.10% | 6.79% | 3.39% |
| Q1 2026 | 5.79% | 1.88% | 4.04% | 6.72% | 3.12% |
| Q2 2026 | 5.91% | 2.04% | 4.04% | 7.43% | 3.13% |
City 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 City 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 City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25103) · FFIEC NIC profile (RSSD 575254)