Coleman County State 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.
Compared with Q1 2026, Net interest margin rose 0.30 percentage points in Q2 2026 to 5.58%, the biggest move on this page. On net interest margin, Coleman County State Bank ranks 16th highest among the 345 banks headquartered in Texas, at 5.58% (Q2 2026). Coleman County State Bank reported 5.58% on net interest margin for Q2 2026, 1.63 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.88% |
| Yield on loans | 8.09% |
| Yield on securities | 4.06% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 1.99% |
| Cost of interest-bearing liabilities | 1.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 5.58% |
| Yield to cost spread | 4.89% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $856K |
| Interest expense on deposits | $855K |
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 | 5.81% | 1.52% | 4.36% | 7.69% | 1.87% |
| Q4 2023 | 6.22% | 1.70% | 4.60% | 8.07% | 1.98% |
| Q1 2024 | 6.29% | 1.80% | 4.54% | 8.09% | 1.99% |
| Q2 2024 | 6.62% | 1.81% | 4.90% | 8.41% | 2.11% |
| Q3 2024 | 6.98% | 1.75% | 5.30% | 8.55% | 2.18% |
| Q4 2024 | 6.91% | 1.67% | 5.31% | 8.36% | 2.01% |
| Q1 2025 | 6.99% | 1.58% | 5.44% | 8.35% | 2.75% |
| Q2 2025 | 7.12% | 1.53% | 5.60% | 8.45% | 2.43% |
| Q3 2025 | 7.32% | 2.00% | 5.36% | 8.45% | 3.89% |
| Q4 2025 | 7.08% | 1.57% | 5.51% | 8.49% | 4.28% |
| Q1 2026 | 6.67% | 1.36% | 5.28% | 7.84% | 3.91% |
| Q2 2026 | 6.88% | 1.29% | 5.58% | 8.09% | 4.06% |
Coleman County State 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 Coleman County State 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 Coleman County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15480) · FFIEC NIC profile (RSSD 761954)