Commercial Bank of Texas, 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.
Compared with Q1 2026, Total interest expense rose 3.4% in Q2 2026 to $6.1M, the biggest move on this page. Commercial Bank of Texas, N.A. ranks 163rd of 345 Texas banks on net interest margin, in the upper half at 4.20% (Q2 2026). Commercial Bank of Texas, N.A. reported 4.20% on net interest margin for Q2 2026, 0.49 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.68% |
| Yield on loans | 6.66% |
| Yield on securities | 3.28% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 0.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.20% |
| Yield to cost spread | 3.53% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $19.3M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $6.1M |
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 | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.61% | 1.32% | 3.38% | 5.97% | 1.64% |
| Q4 2023 | 4.80% | 1.49% | 3.41% | 6.16% | 1.66% |
| Q1 2024 | 4.91% | 1.66% | 3.35% | 6.28% | 1.67% |
| Q2 2024 | 5.23% | 1.85% | 3.51% | 6.56% | 1.66% |
| Q3 2024 | 5.33% | 1.95% | 3.53% | 6.66% | 1.73% |
| Q4 2024 | 5.40% | 1.83% | 3.72% | 6.72% | 1.79% |
| Q1 2025 | 5.30% | 1.71% | 3.71% | 6.57% | 1.86% |
| Q2 2025 | 5.51% | 1.73% | 3.91% | 6.75% | 1.92% |
| Q3 2025 | 5.59% | 1.85% | 3.89% | 6.82% | 2.46% |
| Q4 2025 | 5.73% | 1.70% | 4.17% | 6.85% | 3.05% |
| Q1 2026 | 5.59% | 1.58% | 4.14% | 6.71% | 3.06% |
| Q2 2026 | 5.68% | 1.61% | 4.20% | 6.66% | 3.28% |
Commercial Bank of Texas, 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 Commercial Bank of Texas, 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 Commercial Bank of Texas, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1209) · FFIEC NIC profile (RSSD 885869)