The Commercial 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.
In Q2 2026, Cost of interest-bearing deposits edged down by 0.16 percentage points, from 2.25% to 2.09%, the largest move among the key lines here. Within Texas, The Commercial Bank is 227th of 345 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. The Commercial Bank sits 0.15 points lower, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.43% |
| Yield on loans | 6.97% |
| Yield on securities | 4.49% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.79% |
| Cost of interest-bearing deposits | 2.09% |
| Cost of interest-bearing liabilities | 2.25% |
| Cost of borrowings | 3.85% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $778K |
| Total interest expense | $469K |
| Interest expense on deposits | $411K |
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 | 5.02% | 1.57% | 3.53% | 6.46% | 3.73% |
| Q4 2023 | 5.22% | 1.98% | 3.34% | 6.74% | 3.99% |
| Q1 2024 | 5.10% | 1.98% | 3.17% | 6.37% | 4.10% |
| Q2 2024 | 5.52% | 2.13% | 3.50% | 7.00% | 4.42% |
| Q3 2024 | 5.42% | 2.29% | 3.27% | 6.91% | 4.38% |
| Q4 2024 | 5.47% | 2.26% | 3.37% | 6.81% | 4.39% |
| Q1 2025 | 5.31% | 2.02% | 3.40% | 6.69% | 4.45% |
| Q2 2025 | 5.42% | 1.96% | 3.57% | 6.79% | 4.49% |
| Q3 2025 | 5.87% | 2.06% | 3.90% | 7.21% | 4.83% |
| Q4 2025 | 5.64% | 2.05% | 3.75% | 7.02% | 4.68% |
| Q1 2026 | 5.45% | 1.82% | 3.74% | 6.87% | 4.56% |
| Q2 2026 | 5.43% | 1.79% | 3.80% | 6.97% | 4.49% |
The Commercial 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 The Commercial 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 The Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19595) · FFIEC NIC profile (RSSD 491653)