The City National Bank of San Saba: 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: Yield on loans edged up 0.14 percentage points between Q1 2026 and Q2 2026, to 7.21%. On net interest margin, The City National Bank of San Saba is 5th from the bottom among 345 Texas banks, 2.33% (Q2 2026). The City National Bank of San Saba reported 2.33% on net interest margin for Q2 2026, 1.56 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.55% |
| Yield on loans | 7.21% |
| Yield on securities | 2.92% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 2.00% |
| Cost of interest-bearing liabilities | 2.00% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.33% |
| Yield to cost spread | 1.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $135K |
| Total interest expense | $233K |
| Interest expense on deposits | $233K |
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 | 2.69% | 0.98% | 1.72% | 7.24% | 1.84% |
| Q4 2023 | 3.06% | 1.35% | 1.75% | 7.71% | 1.90% |
| Q1 2024 | 3.29% | 1.52% | 1.80% | 7.55% | 2.17% |
| Q2 2024 | 3.18% | 1.73% | 1.51% | 7.51% | 1.97% |
| Q3 2024 | 3.76% | 1.45% | 2.38% | 7.75% | 2.72% |
| Q4 2024 | 2.94% | 1.19% | 1.83% | 7.77% | 1.75% |
| Q1 2025 | 3.30% | 1.20% | 2.19% | 7.54% | 2.32% |
| Q2 2025 | 3.37% | 1.25% | 2.20% | 7.64% | 2.38% |
| Q3 2025 | 4.27% | 1.23% | 3.12% | 7.76% | 3.61% |
| Q4 2025 | 2.78% | 1.13% | 1.72% | 7.60% | 1.65% |
| Q1 2026 | 3.49% | 1.19% | 2.38% | 7.07% | 2.81% |
| Q2 2026 | 3.55% | 1.29% | 2.33% | 7.21% | 2.92% |
The City National Bank of San Saba yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of San Saba, 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 The City National Bank of San Saba profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5518) · FFIEC NIC profile (RSSD 714165)