Community National Bank & Trust of Texas: 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.
Total interest expense rose 4.7% from Q1 2026 to Q2 2026, ending at $6.1M against $5.8M. It was the largest change among the key lines on this page. Within Texas, Community National Bank & Trust of Texas is 104th of 345 on net interest margin, 4.56% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Community National Bank & Trust of Texas sits 0.85 points higher, at 4.56% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.13% |
| Yield on loans | 7.07% |
| Yield on securities | 1.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.64% |
| Cost of interest-bearing deposits | 2.30% |
| Cost of interest-bearing liabilities | 2.38% |
| Cost of borrowings | 4.08% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.56% |
| Yield to cost spread | 3.75% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $21.0M |
| Total interest expense | $6.1M |
| Interest expense on deposits | $5.6M |
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 | 5.51% | 1.66% | 3.93% | 6.44% | 1.81% |
| Q4 2023 | 5.86% | 1.99% | 4.04% | 6.80% | 1.83% |
| Q1 2024 | 5.77% | 1.98% | 3.90% | 6.69% | 1.85% |
| Q2 2024 | 5.84% | 2.01% | 3.93% | 6.79% | 1.91% |
| Q3 2024 | 5.99% | 2.06% | 4.05% | 6.94% | 1.89% |
| Q4 2024 | 5.95% | 1.96% | 4.10% | 6.98% | 1.95% |
| Q1 2025 | 5.86% | 1.88% | 4.09% | 6.87% | 1.94% |
| Q2 2025 | 7.67% | 2.54% | 5.32% | 8.65% | 2.12% |
| Q3 2025 | 6.25% | 1.97% | 4.36% | 7.08% | 2.01% |
| Q4 2025 | 4.33% | 1.16% | 3.23% | 4.85% | 1.79% |
| Q1 2026 | 5.99% | 1.61% | 4.44% | 6.87% | 1.84% |
| Q2 2026 | 6.13% | 1.64% | 4.56% | 7.07% | 1.94% |
Community National Bank & Trust of Texas yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust of Texas, 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 Community National Bank & Trust of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18185) · FFIEC NIC profile (RSSD 738769)