The City National Bank of Sulphur Springs: 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 dropped 4.57 percentage points in Q2 2026, from 4.57% to 0.00%. It was the largest change from Q1 2026 among the key lines here. Within Texas, The City National Bank of Sulphur Springs is 66th of 345 on net interest margin, 4.82% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. The City National Bank of Sulphur Springs sits 1.11 points higher, at 4.82% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.19% |
| Yield on loans | 7.28% |
| Yield on securities | 3.13% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.45% |
| Cost of interest-bearing deposits | 2.16% |
| Cost of interest-bearing liabilities | 2.16% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.82% |
| Yield to cost spread | 4.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $17.3M |
| Total interest expense | $4.5M |
| Interest expense on deposits | $4.5M |
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 | 5.06% | 1.25% | 3.86% | 6.38% | 1.51% |
| Q4 2023 | 5.24% | 1.46% | 3.85% | 6.51% | 1.60% |
| Q1 2024 | 5.72% | 1.61% | 4.19% | 7.16% | 1.60% |
| Q2 2024 | 5.59% | 1.66% | 4.02% | 6.85% | 1.62% |
| Q3 2024 | 5.72% | 1.73% | 4.08% | 6.98% | 1.74% |
| Q4 2024 | 5.78% | 1.73% | 4.14% | 7.04% | 1.95% |
| Q1 2025 | 5.76% | 1.65% | 4.21% | 6.98% | 2.05% |
| Q2 2025 | 5.89% | 1.61% | 4.40% | 7.11% | 2.27% |
| Q3 2025 | 6.00% | 1.58% | 4.54% | 7.25% | 2.49% |
| Q4 2025 | 6.12% | 1.57% | 4.67% | 7.36% | 2.61% |
| Q1 2026 | 6.06% | 1.50% | 4.66% | 7.20% | 2.77% |
| Q2 2026 | 6.19% | 1.45% | 4.82% | 7.28% | 3.13% |
The City National Bank of Sulphur Springs 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 Sulphur Springs, 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 Sulphur Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5544) · FFIEC NIC profile (RSSD 596062)