Clear Fork 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.
Net interest margin rose 0.32 percentage points from Q1 2026 to Q2 2026, ending at 5.03% against 4.71%. It was the largest change among the key lines on this page. Within Texas, Clear Fork Bank N.A. is 45th of 345 on net interest margin, 5.03% as of Q2 2026, above the middle of the field. Clear Fork Bank N.A. reported 5.03% on net interest margin for Q2 2026, 1.32 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.13% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.29% |
| Cost of interest-bearing deposits | 2.94% |
| Cost of interest-bearing liabilities | 2.94% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.03% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $15.9M |
| Total interest expense | $5.1M |
| Interest expense on deposits | $5.1M |
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 |
|---|---|---|---|
| Q3 2023 | 6.44% | 2.19% | 4.46% |
| Q4 2023 | 6.56% | 2.40% | 4.36% |
| Q1 2024 | 6.72% | 2.63% | 4.31% |
| Q2 2024 | 7.10% | 2.80% | 4.58% |
| Q3 2024 | 7.32% | 2.99% | 4.56% |
| Q4 2024 | 7.04% | 3.00% | 4.34% |
| Q1 2025 | 7.14% | 2.73% | 4.55% |
| Q2 2025 | 7.28% | 2.67% | 4.74% |
| Q3 2025 | 7.42% | 2.54% | 4.99% |
| Q4 2025 | 7.48% | 2.52% | 5.16% |
| Q1 2026 | 6.87% | 2.36% | 4.71% |
| Q2 2026 | 7.13% | 2.29% | 5.03% |
Clear Fork 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 Clear Fork 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 Clear Fork Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3067) · FFIEC NIC profile (RSSD 340751)