Columbus 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.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which rose 0.22 percentage points to 2.44%. On net interest margin, Columbus State Bank is 10th from the bottom among 345 Texas banks, 2.44% (Q2 2026). Columbus State Bank reported 2.44% on net interest margin for Q2 2026, 1.51 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.33% |
| Yield on loans | 7.10% |
| Yield on securities | 2.75% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.02% |
| Cost of interest-bearing deposits | 1.42% |
| Cost of interest-bearing liabilities | 1.42% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.44% |
| Yield to cost spread | 1.91% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $377K |
| Total interest expense | $713K |
| Interest expense on deposits | $713K |
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 | 2.98% | 0.39% | 2.62% | 6.87% | 1.95% |
| Q4 2023 | 3.25% | 0.40% | 2.86% | 7.06% | 1.92% |
| Q1 2024 | 3.16% | 0.50% | 2.70% | 7.11% | 1.94% |
| Q2 2024 | 3.63% | 0.60% | 3.07% | 6.97% | 1.96% |
| Q3 2024 | 3.82% | 0.67% | 3.20% | 7.47% | 1.91% |
| Q4 2024 | 3.43% | 0.73% | 2.76% | 7.09% | 1.90% |
| Q1 2025 | 3.29% | 1.09% | 2.41% | 6.67% | 2.54% |
| Q2 2025 | 3.27% | 0.97% | 2.43% | 6.81% | 2.64% |
| Q3 2025 | 3.29% | 0.99% | 2.44% | 7.08% | 2.57% |
| Q4 2025 | 3.29% | 1.00% | 2.44% | 7.30% | 2.45% |
| Q1 2026 | 3.07% | 0.97% | 2.22% | 6.89% | 2.33% |
| Q2 2026 | 3.33% | 1.02% | 2.44% | 7.10% | 2.75% |
Columbus 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 Columbus 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 Columbus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12305) · FFIEC NIC profile (RSSD 891253)