Classic Bank, N.A.: 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 standout move of Q2 2026 was in Cost of borrowings: 1.32 percentage points lower than in Q1 2026, at 4.11%. Classic Bank, N.A. ranks 218th of 345 Texas banks on net interest margin, in the lower half at 3.84% (Q2 2026). At 3.84%, Classic Bank, N.A.'s net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.64% |
| Yield on loans | 5.97% |
| Yield on securities | 4.37% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.97% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | 4.11% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.84% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.7M |
| Total interest expense | $2.8M |
| Interest expense on deposits | $2.8M |
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 | 5.21% | 2.04% | 2.86% | 5.52% | 3.44% |
| Q4 2023 | 5.56% | 2.27% | 2.98% | 5.88% | 3.42% |
| Q1 2024 | 5.47% | 2.33% | 2.80% | 5.79% | 3.43% |
| Q2 2024 | 5.52% | 2.24% | 2.95% | 5.84% | 3.51% |
| Q3 2024 | 5.57% | 2.08% | 3.18% | 5.91% | 3.64% |
| Q4 2024 | 5.60% | 2.07% | 3.23% | 5.94% | 3.72% |
| Q1 2025 | 5.50% | 2.38% | 3.24% | 5.87% | 3.80% |
| Q2 2025 | 5.70% | 2.28% | 3.59% | 6.05% | 3.91% |
| Q3 2025 | 5.69% | 2.28% | 3.62% | 6.03% | 4.03% |
| Q4 2025 | 5.65% | 2.13% | 3.73% | 5.98% | 4.01% |
| Q1 2026 | 5.55% | 1.99% | 3.72% | 5.92% | 4.10% |
| Q2 2026 | 5.64% | 1.97% | 3.84% | 5.97% | 4.37% |
Classic Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Classic Bank, N.A., 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 Classic Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3126) · FFIEC NIC profile (RSSD 182951)