Colonial Savings, F.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.
Compared with Q1 2026, Cost of funds rose 0.55 percentage points in Q2 2026 to 2.05%, the biggest move on this page. Within Texas, Colonial Savings, F.A. is 273rd of 345 on net interest margin, 3.39% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.94% on net interest margin. Colonial Savings, F.A. sits 0.55 points lower, at 3.39% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.48% |
| Yield on loans | 6.61% |
| Yield on securities | 3.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.35% |
| Cost of interest-bearing liabilities | 2.35% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.39% |
| Yield to cost spread | 2.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.3M |
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 | 3.72% | 1.29% | 1.97% | 3.60% | 2.54% |
| Q4 2023 | 3.79% | 1.44% | 1.96% | 3.67% | 2.57% |
| Q1 2024 | 3.85% | 1.87% | 1.49% | 3.74% | 2.59% |
| Q2 2024 | 3.87% | 1.65% | 1.75% | 3.75% | 2.66% |
| Q3 2024 | 3.91% | 1.31% | 2.17% | 3.74% | 2.69% |
| Q4 2024 | 3.91% | 1.28% | 2.34% | 3.86% | 2.58% |
| Q1 2025 | 3.87% | 1.51% | 2.03% | 3.88% | 2.72% |
| Q2 2025 | 4.14% | 1.26% | 2.58% | 4.13% | 2.68% |
| Q3 2025 | 4.11% | 0.95% | 2.99% | 4.04% | 2.80% |
| Q4 2025 | 4.35% | 0.88% | 3.56% | 4.52% | 1.82% |
| Q1 2026 | 4.35% | 1.50% | 3.36% | 6.52% | 4.17% |
| Q2 2026 | 4.48% | 2.05% | 3.39% | 6.61% | 3.96% |
Colonial Savings, F.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 Colonial Savings, F.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 Colonial Savings, F.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31361) · FFIEC NIC profile (RSSD 339072)