Commercial National Bank of Texarkana: 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.
Net interest margin rose 0.19 percentage points from Q1 2026 to Q2 2026, ending at 4.62% against 4.43%. It was the largest change among the key lines on this page. Within Texas, Commercial National Bank of Texarkana is 98th of 345 on net interest margin, 4.62% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Commercial National Bank of Texarkana sits 0.67 points higher, at 4.62% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.71% |
| Yield on securities | 2.88% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.31% |
| Cost of interest-bearing deposits | 1.79% |
| Cost of interest-bearing liabilities | 1.81% |
| Cost of borrowings | 3.81% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.62% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.2M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $1.0M |
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 | 5.17% | 1.32% | 3.86% | 6.06% | 2.23% |
| Q4 2023 | 5.38% | 1.36% | 3.99% | 6.21% | 2.33% |
| Q1 2024 | 5.47% | 1.58% | 3.87% | 6.36% | 2.27% |
| Q2 2024 | 5.61% | 1.64% | 3.97% | 6.46% | 2.32% |
| Q3 2024 | 5.80% | 1.81% | 3.99% | 6.73% | 2.27% |
| Q4 2024 | 5.67% | 1.71% | 3.97% | 6.60% | 2.23% |
| Q1 2025 | 5.67% | 1.58% | 4.07% | 6.57% | 2.53% |
| Q2 2025 | 5.80% | 1.50% | 4.30% | 6.70% | 2.73% |
| Q3 2025 | 5.99% | 1.50% | 4.52% | 6.88% | 2.92% |
| Q4 2025 | 5.98% | 1.40% | 4.62% | 6.95% | 2.91% |
| Q1 2026 | 5.74% | 1.32% | 4.43% | 6.56% | 2.89% |
| Q2 2026 | 5.90% | 1.31% | 4.62% | 6.71% | 2.88% |
Commercial National Bank of Texarkana 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 National Bank of Texarkana, 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 National Bank of Texarkana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19024) · FFIEC NIC profile (RSSD 794149)