The Commercial National Bank of Brady: 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 standout move of Q2 2026 was in Net interest margin: 1.13 percentage points higher than in Q1 2026, at 7.09%. Among 345 Texas banks, The Commercial National Bank of Brady sits 3rd from the top on net interest margin, 7.09% as of Q2 2026. The Commercial National Bank of Brady's net interest margin of 7.09% is well above the 3.95% median for banks in the $100M-1B asset tier, a gap of 3.14 points (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 9.05% |
| Yield on loans | 10.50% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.03% |
| Cost of interest-bearing deposits | 2.97% |
| Cost of interest-bearing liabilities | 3.05% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 7.09% |
| Yield to cost spread | 6.00% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $1.9M |
| Interest expense on deposits | $1.7M |
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 | 6.37% | 1.42% | 4.96% | 7.69% | 1.94% |
| Q4 2023 | 6.61% | 1.55% | 5.05% | 7.82% | 1.98% |
| Q1 2024 | 6.66% | 1.92% | 4.81% | 7.88% | 1.96% |
| Q2 2024 | 7.02% | 2.09% | 5.00% | 8.41% | 1.94% |
| Q3 2024 | 8.21% | 1.98% | 6.29% | 9.81% | 1.95% |
| Q4 2024 | 8.02% | 1.81% | 6.28% | 9.40% | 2.00% |
| Q1 2025 | 7.65% | 1.78% | 5.95% | 8.99% | 1.95% |
| Q2 2025 | 9.28% | 2.02% | 7.24% | 10.62% | 1.92% |
| Q3 2025 | 8.92% | 2.32% | 6.74% | 10.23% | 1.91% |
| Q4 2025 | 8.12% | 2.44% | 5.80% | 9.13% | 2.07% |
| Q1 2026 | 7.99% | 2.12% | 5.96% | 9.17% | 1.95% |
| Q2 2026 | 9.05% | 2.03% | 7.09% | 10.50% | 2.01% |
The Commercial National Bank of Brady 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 National Bank of Brady, 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 National Bank of Brady profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3110) · FFIEC NIC profile (RSSD 42354)