Commercial State 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, Net interest margin edged down by 0.12 percentage points, from 4.70% to 4.58%, the largest move among the key lines here. Within Texas, Commercial State Bank is 101st of 345 on net interest margin, 4.58% 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 State Bank sits 0.63 points higher, at 4.58% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.49% |
| Cost of interest-bearing deposits | 0.97% |
| Cost of interest-bearing liabilities | 0.97% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.58% |
| Yield to cost spread | 4.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $818K |
| Total interest expense | $135K |
| Interest expense on deposits | $135K |
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 |
|---|---|---|---|
| Q3 2023 | 4.96% | 0.15% | 4.82% |
| Q4 2023 | 5.21% | 0.16% | 5.06% |
| Q1 2024 | 5.47% | 0.18% | 5.30% |
| Q2 2024 | 5.72% | 0.21% | 5.52% |
| Q3 2024 | 5.92% | 0.21% | 5.72% |
| Q4 2024 | 5.70% | 0.22% | 5.49% |
| Q1 2025 | 5.65% | 0.21% | 5.45% |
| Q2 2025 | 5.39% | 0.20% | 5.20% |
| Q3 2025 | 5.37% | 0.24% | 5.15% |
| Q4 2025 | 5.06% | 0.22% | 4.86% |
| Q1 2026 | 5.04% | 0.35% | 4.70% |
| Q2 2026 | 5.06% | 0.49% | 4.58% |
Commercial State 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 Commercial State 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 Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10330) · FFIEC NIC profile (RSSD 1017564)