Commerce Bank Texas: 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 0.14 percentage points to 2.88%. Commerce Bank Texas has the 24th lowest net interest margin of the 345 banks headquartered in Texas, at 2.88% as of Q2 2026. Commerce Bank Texas reported 2.88% on net interest margin for Q2 2026, 1.01 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.20% |
| Yield on loans | 7.19% |
| Yield on securities | 1.87% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.48% |
| Cost of interest-bearing deposits | 2.06% |
| Cost of interest-bearing liabilities | 2.06% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.88% |
| Yield to cost spread | 2.14% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $411K |
| Total interest expense | $190K |
| Interest expense on deposits | $190K |
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 | 4.43% | 1.54% | 3.23% | 6.62% | 1.83% |
| Q4 2023 | 4.69% | 2.01% | 3.20% | 7.05% | 1.85% |
| Q1 2024 | 4.69% | 2.68% | 2.79% | 7.02% | 1.84% |
| Q2 2024 | 4.81% | 2.61% | 2.87% | 7.29% | 1.87% |
| Q3 2024 | 4.74% | 2.56% | 2.75% | 7.20% | 1.84% |
| Q4 2024 | 4.77% | 2.38% | 2.89% | 7.32% | 1.85% |
| Q1 2025 | 4.34% | 1.75% | 2.81% | 7.09% | 1.86% |
| Q2 2025 | 4.38% | 1.59% | 2.95% | 7.51% | 1.86% |
| Q3 2025 | 4.13% | 1.50% | 2.75% | 6.99% | 1.86% |
| Q4 2025 | 4.22% | 1.47% | 2.88% | 7.16% | 1.91% |
| Q1 2026 | 4.07% | 1.46% | 2.74% | 7.05% | 1.87% |
| Q2 2026 | 4.20% | 1.48% | 2.88% | 7.19% | 1.87% |
Commerce Bank Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commerce Bank Texas, 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 Commerce Bank Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15346) · FFIEC NIC profile (RSSD 174367)